某銀行業(yè)的監(jiān)督管理-展示頁
2025-01-10 17:58本頁面
【正文】 aper, 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 intonontraditional rolesn Expand into nontraditional areas and products to generate more fee ine.n Investment banking, offbalance sheet activitiesn Actively pursue the use of technology in the development and delivery of products.n Inter bankingn GrammLeachBliley Act eliminates most of the remaining restrictions that have separated mercial banking, investment banking, and insurance for over 70 years.Deregulation and Competitionn Many analysts attribute much of the change in the financial services industry to deregulation.n Deregulation was a natural response to increased petition rather than the catalyst of petition.n petition between depository institutions and nondepository financial firms, andn petition between the same type of petitors across world markets n Deregulation sped up the process, but did not necessarily start it.Regulatory Dialecticn Since World War II, banks and other market participants have consistently restructured their operations to circumvent regulation and meet perceived customer needs. In response, regulators or lawmakers would impose new restrictions, which market participants circumvented again.Regulatory DialecticCustomer NeedsRegulation:
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