商业银行管理ROSE7e课后答案Chapter_03.docVIP

. . . .专业资料. . CHAPTER 3 THE ORGANIZATION AND STRUCTURE OF BANKING AND THE FINANCIAL SERVICES INDUSTRY Goal of This Chapter: The goal of this chapter is to explore the different types of organizations used in the banking and financial services industry, to see how changing public mobility and changing demand for financial services, the rise of potent competition, and changing government rules have change the structure, size and the types of organizations in this industry. Key Topics in this Chapter The Organization and Structure of the Commercial Banking Industry Internal Organization of the Banking Firm: Smaller Community and Larger Money-Center Banks The Array of Organizational Structures in Banking: Unit, Branch, Holding Company and Electronic Banks Interstate Banking and The Riegle-Neal Act Two Alternative Types of Banking Organizations as the 21st Century Opened: The Financial Holding Company and Bank Subsidiaries Model The Changing Organization and Structure of Banking’s Principal Competitors Efficiency and Size Chapter Outline I. Introduction: Organizational Forms and Function in Banking II. The Organization and Structure of the Commercial Bank Industry A. Advancing Size and Concentration of Assets B. Is a Counter Trend Underway? III. Internal Organization of the Banking Firm A. Community Banks and Other Community-Oriented Financial Firms B. Larger Banks-Money Center, Wholesale and Retail C. Trends in Organization IV. The Array of Organizational Structures and Types In the Banking Industry A. Unit Banking Organizations B. Branch Banking Organizations 1. Organizational Characteristics Branchings Expansion Reasons behind Branching’s Growth 4. Advantages and Disadvantages of Branch Banking C. Electronic Branching-Websites and Electronic Networks: An Alternative and a Supplement to Traditional Bank Branch Offices? D. Bank Holding Company Organizations 1. Organizational Character