银行管理（第六版）教师手册 Chapter_18_IM_updates.docVIP

PAGE PAGE 246 CHAPTER 18 CREATING AND MANAGING SERVICE OUTLETS: NEW CHARTERS, BRANCHES, AND ELECTRONIC FACILITIES Goal of This Chapter: The purpose of this chapter is to learn how new banks are chartered by state and federal authorities in the United States, to determine what makes a good site for a new branch office, to recognize how the role of branch offices is changing, and to explore the advantages and disadvantages of automated banking facilities. Key Topics in This Chapter Chartering New Financial Service Institutions Performance of New Banks Establishing Full Service Branches In-Store Branching Establishing Limited Service Facilities The Internet and Online Banking Chapter Outline I. Introduction A. The Importance of Convenience and Timely Access to Customers B. Service Options Available Today 1. Chartering New Financial Institutions 2. Establishing New Full-Service Branches 3. Setting Up Limited-Service Facilities Chartering a New Bank or Other Financial Service Institutions The Bank Chartering Process in the United States A. The Chartering Authorities in the U.S. B. Key Role of the FDIC C. Organizing Groups D. The Choice Between Federal and State Charters: Advantages and Disadvantages IV. Questions Regulators Usually Ask the Organizers of a New Bank V. Factors Weighing on the Decision to Seek a New Bank Charter A. External Factors 1. Level of Economic Activity 2. Growth of Local Economic Activity 3. The Need for a New Bank 4. Strength and Character of Local Competition in Supplying Financial Services B. Internal Factors 1. Qualifications and Contacts of the Organizers 2. Management Quality 3. Pledging of Capital and Funds to Cover the Cost of Filing a Charter Application and Getting Underway VI. Volume and Characteristics of New Bank Charters A. Bank Chartering as a Capital Budgeting Decision B. Characteristics of New Charter Markets VII. How Well Do New Banks Perform? A. New Bank Financial Performance B. Pro-Competitive Effects on Service Offerings an