《货币银行学》课程教学资源（PPT课件，英文）Chapter 08 Financial Industry Structure

Chapter8FinancialIndustryStructureMcGraw-Hilly/rwinCopyright 2006byTheMcGraw-Hill Companies,Inc.All rights reserved

McGraw-Hill/Irwin Copyright © 2006 by The McGraw-Hill Companies, Inc. All rights reserved. Chapter 8 Financial Industry Structure

CONTENS88.1Banking Industry Structure in China8.2Banking IndustryStructure inU.S8.3FutureofBank8.4Non-depository Institutions13-2

13-2 CONTENS 8.1 Banking Industry Structure in China 8.2 Banking Industry Structure in U.S. 8.3 Future of Bank 8.4 Non-depository Institutions

niaoiatriepreSeinstitutions system in chinaO（1）管理supervisory性：货币当局monetaryauthority和金融监管机构financial regulating institution（2）商业commercial性：商业银行commercial banks、非银行类金融机构non-bankfinancialinstitutions以及在境内开办的外资、侨资、中外合资jointventure金融机构（3）政策political性：政策银行politicabanks和政策性金融机构13-3

13-3 I the present financial institutions system in china • （1）管理supervisory 性：货币当局 monetary authority 和金融监管机构 financial regulating institution • （2）商业commercial 性：商业银行 commercial banks、非银行类金融机构 non-bank financial institutions以及在境内 开办的外资、侨资、中外合资joint venture 金融机构 • （3）政策political性：政策银行political banks和政策性金融机构

（总结）我国现行的金融体系C1.中央银行一中国人民银行2.三家金融监管机构：保监会、证监会、银监会。13-4

13-4 我国现行的金融体系（总结） • 1. 中央银行—中国人民银行 • 2. 三家金融监管机构：保监会、证监会、 银监会

2C3.国有商行：工商银行、农业银行、中国银行建设银行（1）股份制商业银行：交通银行、中信实业银行中国光大银行、深圳发展银行、上海浦东发展银行、招商银行、民生银行、福建兴业银行、广东发展银行、华夏银行等。（2）信用合作社（3）政策性：政策性银行（国家开发银行、中压进出口银行、中国农业发展银行）十四家资产管理公司（华融、东方、长城、信达）13-5

13-5 • 3.国有商行：工商银行、农业银行、中国银行、 建设银行 • （1）股份制商业银行：交通银行、中信实业银行、 中国光大银行、深圳发展银行、上海浦东发展银 行、招商银行、民生银行、福建兴业银行、广东 发展银行、华夏银行等。 • （2）信用合作社 • （3）政策性：政策性银行（国家开发银行、中国 进出口银行、中国农业发展银行）＋四家资产管 理公司（华融、东方、长城、信达）

O4.主要的非银行金融机构：保险公司、信托投资公司、财务公司、证券公司、租赁公司等：5.涉外金融机构：13-6

13-6 • 4.主要的非银行金融机构：保险公司、信托 投资公司、财务公司、证券公司、租赁公 司等 • 5.涉外金融机构：

8.2 BankingIndustryStructure in0U.S. AFigure13.1 Numberof InsuredBanks inthe United States,1935-200316.00014.00012,00010,0008.0006,0004,0002,000e193519401945195019551960 19651970197519801985199019952000UnitBanksBankswithBranches13-7

13-7 8.2 Banking Industry Structure in U.S. A

BankingIndustryStructure inPdU.S. A1. Competition and ConsolidationTable13.1 Number and Assets of Depository Institutions,2003(includescommercial banks,savingsand loans,andsavingsbanks)NumberSizeofInstitution(Assets)PercentofTotal Assets4,3902.5%Lessthan$100million4,21112.8%$100 million to $1 billion47114.5%$1billionto$1obillion11070.3%$10 billion or more9.182Total$9.1trillion13-8

13-8 Banking Industry Structure in U.S. A • 1. Competition and Consolidation

BankingIndustryStructureOFigure13.2Change in the Number of Insured Banks in the United States,1970-2002300200100o-100-200-300400-500-6001970198019902000Failed BanksNetNewBanks13-9

13-9 Banking Industry Structure

BankingIndustryStructureinOU.S. A2.Key Legislation Affecting the U.S.Banking Industry1927 McFadden Act: Outlawed interstate branching andrequired national banks to abide by the laws of the state inwhich they operated.1933 Glass-Steagall Act: Established federal depositinsurance and prohibited commercial banks from engaging inthe insurance and securities businesses.13-10

13-10 Banking Industry Structure in U.S. A • 2.Key Legislation Affecting the U.S. Banking Industry • 1927 McFadden Act: Outlawed interstate branching and required national banks to abide by the laws of the state in which they operated. • 1933 Glass-Steagall Act: Established federal deposit insurance and prohibited commercial banks from engaging in the insurance and securities businesses