金融法（双语版）第三章商业银行法律制度1.ppt

第三章 商业银行法律制度 二、 商业银行的组织机构 2、美国商业银行的组织机构 There are several types of non-bank financial institutions operating the business of commercial banks besides commercial banks in America. (1)Bank Holding Company and Financial Holding Company. The bank holding company was defined as a entity which control one or more than one commercial banks. All bank holding company must be registed in the Fed and be under the feds supervision. If a bank holding company which can meet certain standards of capital and management apply to the Fed, it can transform into financial holding company. (2)Thrifts. Thrifts is a depository institution to provide mortgage to housing consumers. (3)Credit Union. Its a tax-free financial institution owned by its depositors.It usually operates a series of limited business of commercial bank.Generally speaking,credit union can only accept someone who meet certain conditions as depositors(e.g., having the same career or living in the same community).　 (4)Industrial Loan?Companies(ILCs).Its a financial institution owned by merchandising enterprising.ILCss business is similar to commercial banks.However, ILCs can avoid regulation that bank holding companies are limited to do commerce-banking separate operation,by following ways:1.Total assets less than $100 million;2. Dont accept current deposit;3. There is no change in the control since 1987. ILCs usually have the same power as state commercial banks, They must be insured to the federal deposit insurance corporation and be supervised by it. Besides,ILCs are regulated by state regulatory agencies. 第三章 商业银行法律制度 二、 商业银行的组织机构 3.案例 Cameron Financial Corp. v. Board of Governors of the Federal Reserve System Facts- In the case, the plaintiff is a bank holding companiesfounded on May 4, 1968. Plaintiff controlled a national bank which handled courier activities. Subsequently, plaintiff shiftted national banks courier activities to a courier company whose whole control was bought by plainntiff.