金融機(jī)構(gòu)概述ppt課件-文庫吧資料
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【正文】 ??????????mjjjinii tOEOIPLLCArNI11)1) ] (([? ?? ???nimjjjii LCArN I I1 1表外業(yè)務(wù) Offbalance Sheet Activities ? Heightened importance of offbalance sheet items ? OBS assets 表外資產(chǎn) ? OBS liabilities 表外負(fù)債 ? Large increase in derivatives positions is a major issue ? Standby letters of credit 備用信用證 ? Loan mitments 貸款承諾 ? Whenissued securities 虛售證券 其他收費(fèi)業(yè)務(wù) Other Feegenerating Activities ? Trust services 信托服務(wù) ? Correspondent banking 往來銀行業(yè)務(wù) ? Check clearing ? Foreign exchange trading ? Hedging ? Participation in large loan and security issuances ? Payment usually in terms of noninterest bearing deposits 主要監(jiān)管機(jī)構(gòu) Key Regulatory Agencies ? FDIC ? Role in preventing contagious runs or panics ? OCC: Primary function is to charter national banks. ? FRS: moary policy, lender of last resort. ? National banks are automatically members of the FRS. Statechartered banks can elect to bee members. ? State bank regulators ? Dual Banking System: Coexistence of nationally and statechartered banks. Bank Regulators 儲蓄機(jī)構(gòu) Savings Institutions ? Comprised of: ? Savings and Loans Associations 儲蓄協(xié)會 ? Savings Banks 儲蓄銀行 ? Effects of changes in Federal Reserve’s policy of interest rate targeting bined with Regulation Q and disintermediation(脫媒 ). ? Effects of moral hazard and regulator forbearance. ? Qualified Thrift Lender (QTL) test. 信用社 Credit Unions ? Nonprofit depository institutions owned by memberdepositors with a mon bond. ? Exempt from taxes and Community Reinvestment Act (CRA 社區(qū)再投資法 ). ? Expansion of services offered in order to pete with other FIs. ? Claim of unfair advantage of CUs over small mercial banks ? 2022: percent of CUs federally chartered and regulated by NCUA 全球問題 Global Issues ? Narrowing margins and flattening yield curves ? Mortgages dominating retail growth ? Personal bankruptcies rising ? Near crisis in Japanese Banking ? China ? Deterioration in early 2022s, NPLs at 50% levels ? Opening to foreign banks (WTO entry) slow 保險公司 Insurance Companies ? Differences in services provided by: ? Life Insurance Companies 人壽保險公司 ? Property and Casualty Insurance財(cái)產(chǎn)事故保險公司 ? Size, structure and position ? Balance sheets and recent trends ? Regulation of insurance panies ? Global petition and trends 互助 Mutual 股份 Stock保險公司Insurance Companies Biggest Life Insurers(2022) Insuranc e Com p an y Ow ner ship Form As sets (bil li ons) 1 . Met rop o litan L if e Sto ck $ 4 0 7 .8 2 . A m e rican Intern atio n al Gr o u p Sto ck 3 4 1 .1 3 . Prud en tial of Am e ri ca Sto ck 3 3 1 .1 4 . Hart f o rd Lif e Sto ck 2 0 4 .5 5 . Teac h e rs I n su ra n ce amp。 Co. $1,333,800,000,000 $930,270,000,000 5 . Bancorp $340,760,000,000 $233,550,000,000 6 Capital One Financial Corp. $322,680,000,000 $216,530,000,000 7 Bank of New York Mellon Corp. $300,170,000,000 $192,460,000,000 8 HSBC North America Holdings Inc. $298,140,000,000 $120,510,000,000 9 PNC Financial Services Group Inc. $295,880,000,000 $206,130,000,000 10 TD Bank US Holding Co $204,310,000,000 $167,100,000,000 11 State Street Corp. $187,960,000,000 $130,180,000,000 12 SunTrust Banks Inc. $178,230,000,000 $130,030,000,000 . Bank Total Assets Total Deposits 英國 《 銀行家 》 正式公布了 2022年度的全球1000家大銀行排名榜單 . 存款機(jī)構(gòu)的類型 Depository Institutions ? 商業(yè)銀行 Commercial Banks ? Largest depository institutions are mercial banks. ? Differences in operating characteristics and profitability across size classes. ? Notable differences in ROE and ROA as well as the spread ? 儲蓄機(jī)構(gòu) Thrifts ? Samp。 存款機(jī)構(gòu) Depository Institutions A depository institution is a financial institution in the United States (such as a savings bank, mercial bank, savings and loan association, or credit union) that is legally allowed to accept moary deposits from consumers. Federal depository institutions are regulated by the Federal Deposit Insurance Corporation (FDIC). 規(guī)模、結(jié)構(gòu)與組成 Size, structure and position 資產(chǎn)負(fù)債表 Balance sheets and recent trends 存款機(jī)構(gòu)的監(jiān)管 Regulation of depository institutions 業(yè)績 Depository institutions performance 美國
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