anoverviewofthefinancialsystem(英文版)-資料下載頁(yè)
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【正文】 on AddisonWesley. All rights reserved. 234 Types of Financial Intermediaries ? Depository Institutions ? Financial intermediaries that accept deposits from individuals and institutions and make loans. ? (1)Commercial banks ? largest in US ? (2)Savings and Loan Associations and Mutual Savings Banks ? Bee more alike ? (3)Credit Unions ? Very small cooperative lending institutions. Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 235 ? Contractual Savings Institutions ? (1) Life Insurance Companies ? (2) Fire and Casualty Insurance Companies ? (3) Pension Funds and Government Retirement Funds Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 236 ? Investment Intermediaries ? (1) Finance Companies ? (2) Mutual Funds ? (3) Money Market Mutual Funds ? (4)Investment Banks Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 237 Table 4 Principal Financial Intermediaries and Value of Their Assets Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 238 Types of Financial Intermediaries in China 以中國(guó)人民銀行為領(lǐng)導(dǎo)，國(guó)有商業(yè)銀行為主體，多種金融機(jī)構(gòu)并存，分工協(xié)作的金融中介機(jī)構(gòu)體系： ? 2023年，我國(guó)銀行業(yè)金融機(jī)構(gòu)包括政策性銀行及國(guó)家開(kāi)發(fā)銀行 3家，大型商業(yè)銀行 5家，股份制商業(yè)銀行 12家，城市商業(yè)銀行147家，農(nóng)村商業(yè)銀行 85家，農(nóng)村合作銀行 223家，農(nóng)村信用社2,646家，郵政儲(chǔ)蓄銀行 1家，金融資產(chǎn)管理公司 4家，外資法人金融機(jī)構(gòu) 40家，信托公司 63家，企業(yè)集團(tuán)財(cái)務(wù)公司 107家，金融租賃公司 17家，貨幣經(jīng)紀(jì)公司 4家，汽車金融公司 13家，消費(fèi)金融公司 4家，村鎮(zhèn)銀行 349家，貸款公司 9家以及農(nóng)村資金互助社 37家。我國(guó)銀行業(yè)金融機(jī)構(gòu)共有法人機(jī)構(gòu) 3,769家，營(yíng)業(yè)網(wǎng)點(diǎn)，從業(yè)人員 。 Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 239 Regulation of the Financial System ? To increase the information available to investors: – Reduce adverse selection and moral hazard problems – Reduce insider trading (SEC). Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 240 Table 5 Principal Regulatory Agencies of the . Financial System Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 241 Regulation of the Financial System ? To ensure the soundness of financial intermediaries: – Restrictions on entry (chartering process). – Disclosure of information. – Restrictions on Assets and Activities (control holding of risky assets). – Deposit Insurance (avoid bank runs). – Limits on Competition (mostly in the past): ? Branching ? Restrictions on Interest Rates Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 242 Financial Regulation in China ? 我國(guó)現(xiàn)行金融監(jiān)管體制的基本特征是分業(yè)監(jiān)管，形成了由中國(guó)人民銀行、證監(jiān)會(huì)和保監(jiān)會(huì)三家分業(yè)監(jiān)管的格局 。 ? 按照金融監(jiān)管的分工，銀監(jiān)會(huì)主要負(fù)責(zé)商業(yè)銀行、政策性銀行、外資銀行、農(nóng)村合作銀行（信用社）、信托投資公司、財(cái)務(wù)公司、租賃公司、金融資產(chǎn)管理公司的監(jiān)管。 ? 而證監(jiān)會(huì)和保監(jiān)會(huì)則分別負(fù)責(zé)證券、期貨、基金和保險(xiǎn)業(yè)的監(jiān)管。 Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 243 本資料來(lái)源 ? 更多資料請(qǐng)?jiān)L問(wèn) .(....) Copyright 169。 2023 Pearson AddisonWesley. All rights reserved. 244 演講完畢，謝謝觀看！
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