商业银行管理 ROSE 7e 课后答案Word格式.docx
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商业银行管理 ROSE 7e 课后答案Word格式.docx
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∙TheRiegle-NealandGramm-Leach-Bliley(GLB)Acts
∙KeyRegulatoryIssuesLeftUnresolved
∙TheCentralBankingSystem
∙OrganizationandStructureoftheFederalReserveSystemandLeadingCentralBanksofEuropeandAsia
∙IndustryImpactofCentralBankPolicyTools
ChapterOutline
I.Introduction:
NatureandImportanceofBankRegulation
II.BankingRegulation
A.ProsandConsofStrictRules
1.Toprotectthepublic'
ssavings
2.Tocontrolthemoneysupply
3.Toensureadequatesupplyofloansandtoensurefairness
4.Tomaintainconfidenceinthesystem
5.Toavoidmonopolypowers
6.Toprovidesupportforgovernmentactivities
7.Tosupportspecialsectorsoftheeconomy
B.TheImpactofRegulation-TheArgumentsforStrictRulesversusLenientRules
III.MajorBankingLaws-WhereandWhentheRulesOriginated
A.Meetthe“Parents”:
TheLegislationThatCreatedToday’sBankRegulators
a.NationalCurrencyandBankActs(1863-64)
b.TheFederalReserveAct(1913)
c.TheBankingActof1933(Glass-Steagall)
d.EstablishingtheFDICunderGlass-Steagall
e.CriticismsoftheFDICandResponsesViaNewLegislation
f.RaisingtheFDICInsuranceLimit
B.InstillingSocialGracesandMorales-SocialResponsibilityLaws
C.LegislationAimedatAllowingInterstateBanking:
WhereCanthe“Kids”Play
D.TheGramm-Leach-BlileyAct(1999):
WhatAreAcceptableActivitiesforPlaytime
E.TellingtheTruthandNotStretchingIt-TheSarbanes-OxleyAccountingStandardsAct(2002)
IV.The21stCenturyIssuesinanArrayofNewLaws,RegulationsandRegulatoryStrategies
A.TheFACTAct
B.Check21
C.NewBankruptcyRules
D.FederalDepositInsuranceReform
E.NewRegulatoryStrategiesinaNewCenturyandUnresolvedRegulatoryIssues
V.TheRegulationofNonbankFinancial-ServiceFirms
A.RegulatingThrift(Savings)Industry
1.CreditUnions
2.SavingsandLoansandSavingsBanks
3.MoneyMarketFunds
4.LifeandProperty/CasualtyInsuranceCompanies
5.FinanceCompanies
6.MutualFunds
7.SecurityBrokersandDealers
8.FinancialConglomerates
B.AreRegulationsReallyNecessaryintheFinancialServicesSector
VI.TheCentralBankingSystem:
It’sImpactonBanksandtheDecisionsandPoliciesof
FinancialInstitutions
A.OrganizationalStructureoftheFederalReserveSystem
B.TheCentralBank'
sPrincipalTask--MakingandImplementingMonetaryPolicy
1.TheOpenMarketPolicyToolofCentralBanking
2.OtherCentralBankPolicyTools
3.AFinalNoteonCentralBanking’sImpactofFinancialFirms
VII.SummaryoftheChapter
ConceptChecks
2-1.Whatkeyareasorfunctionsofabankorotherfinancialfirmareregulatedtoday
Amongthemostimportantareasofbankingsubjecttoregulationaretheadequacyofabank'
scapital,thequalityofitsloansandsecurityinvestments,itsliquidityposition,fund-raisingoptions,servicesoffered,anditsabilitytoexpandthroughbranchingandtheformationofholdingcompanies.
2-2.Whatarethereasonsforregulatingeachofthekeyareasorfunctionsnamedabove
Theseareasareregulated,firstofall(andprimarily),toprotectthesafetyofthedepositors'
fundssothatthepublichassomeassurancethatitssavingsandtransactionsbalancesaresecure.Thus,bankfailureisviewedassomethingtobeminimized.Thereisalsoaconcernformaintainingcompetitionandforinsuringthatthepublichasreasonableandfairaccesstobankingservices,especiallycreditanddepositservices.
Notalloftheareaslistedaboveprobablyshouldberegulated.Minimizingtheriskofbankfailureservestosheltersomepoorlymanagedbanks.Thepublicwouldprobablybebetterservedinthelongrunbyallowinginefficientbankstofailratherthanproppingthemup.Moreover,regulationmayservetodistorttheallocationofresourcesinbanking,suchasbyrestrictingpricecompetitionthroughlegalinterest-rateceilingsandanti-branchinglawswhichleadstooverbuildingofphysicalfacilities.Theresultisawasteofscarceresources.
2-3.WhatistheprincipalroleoftheComptrollerofCurrency
TheComptrolleroftheCurrencychartersandsupervisestheactivitiesofnationalbanksthroughitspolicy-settingandexaminations.
2-4.WhatistheprincipaljobperformedbytheFDIC
TheFederalDepositIns
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