商业银行经营学Chapter 04.pptVIP

Chapter Four Establishing New Banks, Branches, ATMs, Telephone Services, and Web Sites Responding to Changing Customer Demand Chartering New (De Novo) Financial Institutions Establishing New Full-Service Branch Offices Setting Up Limited Service Facilities Charters for New Banks Office of the Comptroller of the Currency for National Banks State Banking Commissions in the 50 States for State Banks Reasons for Oversight of Charters Financial Institutions Hold the Public’s Savings Financial Institutions are the Heart of the Payment System Financial Institutions Create Money Benefits of a National Charter Brings Added Prestige Due to Stricter Standards Which May Bring Larger Deposits In Times of Trouble, Technical Assistance May Be Better Benefits of a State Charter May Be Easier and Less Costly to Secure a State Charter Bank Does Not Need to Join the Federal Reserve System State May Allow Bank to Lend More of its Capital to a Single Borrower May Be Able to Offer Wider Range of Loans and Other Services Questions for Organizers of New Banks Population and Geographic Boundaries of Primary Service Area (PSA) Competing Financial Institutions in PSA Number and Types of Businesses in PSA Traffic Patterns in PSA Population Growth in PSA Banking History in PSA Amount and Holders of Stock in New Bank Business and Banking Experience of Organizers Projections for New Bank in First 3 to 5 Years External Factors that Affect Decision for New Charter Level of Economic Activity Growth of Local Economic Activity The Need for a New Bank The Strength and Character of Local Competition in Supplying Financial Services Internal Factors that Affect Decision for New Bank Qualifications and Contacts of Organizers Management Quality Capital Pledged Desirable Sites for New Branches Heavy Traffic Count Large Number of Retail Shops and Stores Above Average Age of Local Populations Area Contains Substantial Number of Managers, Business Owners and Professionals Steady or Declining Number of Servi