某銀行業(yè)的監(jiān)督管理(存儲版)
【正文】 健全的組織機(jī)構(gòu)和管理制度；n 有符合要求的營業(yè)場所、安全防范措施和與業(yè)務(wù)有關(guān)的其他設(shè)施。n 第十一條 設(shè)立商業(yè)銀行，應(yīng)當(dāng)經(jīng)銀監(jiān)會審查批準(zhǔn)。第一章 商業(yè)銀行及其監(jiān)管對外經(jīng)濟(jì)貿(mào)易大學(xué) 金融學(xué)院何自云...第一章 商業(yè)銀行及其監(jiān)管n Fundamental Forces of Changes in Bankingn 《 中國銀行業(yè)及其監(jiān)管的改革與發(fā)展 》n 唐雙寧， 《 金融時報 》 2023年 7月 5日 n 《 中華人民共和國商業(yè)銀行法 》n 1995年 7月 1日施行， 2023年 12月 27日修改n 《 中華人民共和國銀行業(yè)監(jiān)督管理法 》n 2023年 12月 27日通過， 2023年 2月 1日起施行 Fundamental Forces of Changes in Bankingn What were banks in the past? n Two areas of changesn Fundamental Forces of Changes n Deregulation and reregulationn Financial innovationn Securitization n Globalizationn Advances in technologyWhat were banks in the past?n Historically, mercial banks have been the most heavily regulated panies.n Resulted in a banking system with a large number of smaller banks that was limited in the scope of products and services that could be offered and the geographic areas where individual banks could pete.n As a result, they were the safest and most conservative business.n Although regulations limited opportunities and risks, they virtually guaranteed a profit.Two areas of changesn Traditional role of banks as financial intermediaries declined n New products such as cash management accounts, mutual funds, mercial paper, and junk bonds have bee more prevalent.n Banks have responded by accepting lower spreads, taking on more risk, and expanding their customer and product base.n Evolution of banking into nontraditional rolesEvolution of banking i
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