美国联邦储蓄保险公司对银行危机的应对.pptx

Preserving Financial Stability:FDIC Response to the US Banking Crisis保护金融稳定：美国联邦储蓄保险公司对银行危机所作出的反应Galo Cevallos, Senior International AdvisorOffice of International AffairsFederal Deposit Insurance Corporation ，美国联保储蓄保险公司国际事务部高级国际顾问戈罗萨瓦耶思FDIC Response to the Banking CrisisFDIC 对银行业危机的应对Program Overview 课程概览ProgramOutlineUS Banking Sector Overview 美国银行业概览Post Crisis Financial Condition 危机后的金融状况Regulatory Framework and Role of the FDIC 监管框架和FDIC所起的作用Responding to the Crisis 对危机的应对Immediate Actions 立即采取的行动Managing a Rise in Bank Failures 管理越来越多的破产银行Strengthening the US Deposit Insurance System for the Future 为了将来而强化美国的储蓄保险体制Regulatory Reform 监管改革Dodd-Frank Wall Street Reform and Consumer Protection Act 多德弗兰克华尔街改革以及消费者保护法FDIC: Impact and Implementation Challenges FDIC: 影响以及实施上的困难US Banking Sector Overview 美国银行业概览Post Crisis Financial Condition 危机后金融状况美国银行业体制概览有7531家受保险机构；资产达13.6万亿美元；受到保险的储蓄达6.54万亿美元。美国的中间商业银行的规模为1亿5千4百万美元，美国最大的银行的资产为1.79 万亿美元Overview of U.S.Banking System7,513 insured institutions; US $13.6 trillion in assets; US $6.54 trillion in insured deposits; median commercial bank size US $154 million; largest US bank – US$ 1.79 trillion in assetsLarge, diverse and complex大，多元化且复杂Amply RegulatedThree Federal and 50 State supervisors 三个联邦监管机构，再加上50个州的监管机构有足够的监管StressedROA: 0.86%; ROE: 7.65%; NIM: 3.64%; Leverage Ratio: 9.2%; 865 Problem Banks; 96% of banks having 99.2% of total banking assets are considered well capitalized, as defined for Prompt Corrective Action purposes *Data as of June 2011虚弱不堪US Banking Sector Overview 银行业概览Regulatory Framework 监管框架FDIC 既是保险人也是监管者FDIC Insurer Regulator既是保险者也是监管者货币监理署国家银行和储蓄银行美联储既是央行也是监管者Office of the Comptroller of the CurrencyNational Banks and Savings BanksFederal ReserveCentral Bank RegulatorState Banking SupervisorsBanks各州的银行监管者银行US Banking Sector Overview 银行业概览Post Crisis Financial Condition 危机后的金融状况收益，资产质量以及资本在危机中均受到影响，按照历史标准衡量仍十分衰弱，然而该行业已经有所恢复。Earnings, Asset Quality, and Capital all affected during crisis and are