金融 7-Building societies.pptVIP

Section 7: Building societies Introduction to section 7 Building society movement Other mutual societies Finance houses their growth services products Housing Supply System in the UK英国的住房供应体系 10.3 The building society movement Building Societies 住房抵押贷款互助会 A building society is a financial institution, owned by its members, that offers banking and other financial services, especially mortgage lending. Building society first arose in the 19th century in the United Kingdom, from co-operative savings groups. Housing Co-operatives  Building  societies 9.4 Merchant Bank and wholesale bank Personal finance个人融资除了银行还有什么 Features of Building Societies基本特点 在英国，Building Societies 是一种合作社性质的金融机构。 Every building society in the UK is a member of the Building Societies Association（BSA）. Building Societies提供银行服务，但不是银行。 Building Societies和零售银行在抵押贷款和存款业务上是互相竞争的关系。 Building Societies的特色业务是housing loan 。 10.3 The size of building societies规模和数量 At the start of 2008, there were 59 building societies in the UK, with total assets exceeding ￡360 billion. The number of societies in the UK fell by four during 2008 due to a series of mergers by the consequences of the financial crisis of 2007-2009, Three further mergers took place in 2009, leaving 52 remaining independent societies. Top ten 住房合作社前十位 Two types of building societies两类住房抵押贷款互助会 page 222 Consider 1： Page 224 7.2 The reasons for the demise of the building society, in terms of numbers, are: Consider 2： Page 227 7.3 There are a number of reasons for this anomaly: Consider 3： Page 229 Why has there been a trend for building societies to convert to banking status? 10.4 building society legislation住房互助协会的有关立法 Regulatory AuthorityFSA 10.5 Building societies and mortgages What is mortgage book? 10.5 住房互助协会的抵押类型 10.6 Building society products and services Other services offered by building societies P238 P239 How to raise finance 筹资方式 P241 10.7 Credit unions 信用合作社 Definition A credit union is a cooperative