商业银行整理罗斯.docxVIP

商业银行整理 CHAPTER ONE What is bank? 可从三个方面定义（can be defined in terms of）： A.Defined by the Functions It Serves and the Roles It Play银行提供的经济作用 B.Banks and their Principal Competitors(2008Y) 08年金融危机the financial crisis C.Legal Basis of a Bank 银行存在的法律基础 名词解释：A bank is any business offering deposits subject to withdrawal on demand and making loans of a commercial or business nature. (the legal basis法律规定)银行是提供可以随时按要求提取的存款服务并提供商业或企业性质的贷款的机构。（withdrawal:取回） 美国国会对银行的定义: Bank is any institution that could qualify for deposit insurance administered by FDIC (Federal Deposit Insurance Corporation) 必须由联邦存款保