商业银行管理ROSEe课后答案chapterWord格式.docx
- 文档编号:15986895
- 上传时间:2022-11-17
- 格式:DOCX
- 页数:13
- 大小:27.94KB
商业银行管理ROSEe课后答案chapterWord格式.docx
《商业银行管理ROSEe课后答案chapterWord格式.docx》由会员分享,可在线阅读,更多相关《商业银行管理ROSEe课后答案chapterWord格式.docx(13页珍藏版)》请在冰豆网上搜索。
∙CharteringNewFinancialServiceInstitutions
∙PerformanceofNewBanks
∙EstablishingFullServiceBranches
∙In-StoreBranching
∙EstablishingLimitedServiceFacilities
∙ATMsandTelephoneCenters
∙TheInternetandOnlineBanking
ChapterOutline
I.Introduction
A.TheImportanceofConvenienceandTimelyAccesstoCustomers
B.ServiceOptionsAvailableToday
1.CharteringNew(DeNovo)FinancialInstitutions
2.EstablishingNewFull-ServiceBranches
3.SettingUpLimited-ServiceFacilities
II.CharteringaNewBankorOtherFinancialServiceInstitutions
III.TheBankCharteringProcessintheUnitedStates
A.TheCharteringAuthoritiesintheU.S.
B.BenefitsofApplyingforaNationalCharter
C.BenefitsofApplyingforaStateCharter
IV.QuestionsRegulatorsUsuallyAsktheOrganizersofaNewBank
V.FactorsWeighingontheDecisiontoSeekaNewBankCharter
A.ExternalFactors
1.LevelofEconomicActivity
2.GrowthofLocalEconomicActivity
3.TheNeedforaNewBank
4.StrengthandCharacterofLocalCompetitioninSupplyingFinancialServices
B.InternalFactors
1.QualificationsandContactsoftheOrganizers
2.ManagementQuality
3.PledgingofCapitalandFundstoCovertheCostofFilingaCharterApplicationandGettingUnderway
VI.VolumeandCharacteristicsofNewBankCharters
A.NumbersofNewCharters
B.CharacteristicsofNewCharterMarkets
VII.HowWellDoNewBanksPerform
A.NewBankFinancialPerformance
B.Pro-CompetitiveEffectsonServiceOfferingsandServicePricing
VIII.EstablishingFull-ServiceBranchOffices:
ChoosingLocationsandDesigningNewBranches
A.AdvantagesofFull-ServiceBranches
B.TrendsintheDesignofNewBranches
C.DesirableSitesforNewBranches
D.ExpectedRateofReturn
E.GeographicDiversification
F.BranchRegulation
G.TheChangingRoleofBranches
H.In-StoreBranching
IX.EstablishingandMonitoringAutomatedLimited-ServiceFacilities
X.Point-of-SaleTerminals
XI.AutomatedTellers(ATMs)
A.HistoryofATMs
B.ATMServices
C.FeeStructuresforATMUsage
D.CustomerServiceLimitationsofATMs
E.ExampleoftheATMCapital-BudgetingDecision
XII.HomeandOfficeOnlineBanking
A.TelephoneBankingandCallCenters
B.InternetBanking
1.ServicesProvidedThroughtheInternet
2.ChallengesinProvidingInternetServices
3.TheNetandCustomerPrivacyandSecurity
XIII.FinancialServiceFacilitiesoftheFuture
XIV.SummaryoftheChapter
ConceptChecks
4-1.Whyisthephysicalpresenceofabankstillimportanttomanybankcustomersdespiterecentadvancesinlong-distancecommunicationstechnology
Manycustomersstillpreferthepersonalattentionandpersonalservicethatcontactwithbankemployeesprovides.Moreover,forthoseserviceswhereproblemscanarisethatrequiredetailedinformationandexplanation-forexample,whenacheckingaccountisoverdrawnandchecksbegintobounce-thecustomerneedsquickaccessand,often,thepersonalattentiontohisorherproblemonthepartofoneormoreemployees.
4-2.Whyisthecreation(chartering)ofnewbankscloselyregulatedWhataboutnonblankfinancialfirms
Thecreationofnewbanksisregulatedtoinsurethesafetyandsoundnessofexistingbanksandtoavoidexcessivenumbersofbankfailures.Thesameargumentsareusuallymadefornon-bankfinancialfirms.Financial-Servicefirmsholdthepublic’ssavings,aretheheartofthepaymentsystemandcreatemoney.Thefailureofthesefirmscoulddisrupttheeconomyandtoomanycouldmeaninexcessivegrowthinthemoneysupplyandinflation.
4-3.Whatdoyouseeastheprincipalbenefitsandcostsofgovernmentregulationofthenumberoffinancialservicechartersissued
Whilecontrolovertheentryofnewbanksmayreducethenumberoffailures,italsolimitscompetition,sothatthepublicmayreceiveasmallervolumeorlowerqualityofservicesatexcessiveprices.
4-4.WhochartersnewbanksintheUnitedStatesNewthriftinstitutions
Newbanksarecharteredbythebankingcommissionsoftheindividualstatesor,atthefederallevel,bytheComptrolleroftheCurrency.ThriftinstitutionsarecharteredbythestatesoratthefederallevelbytheOfficeofThriftSupervision.
4-5.WhatkeyroledoestheFDICplayinthecharteringprocess
TheFDICexercisessomecontroloverstatebankcharteractivityaswellasfederalchartersbecausemosts
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 商业银行 管理 ROSEe 课后 答案 chapter