商业银行管理 ROSE 7e 课后答案 chapter_02

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1、CHAPTER2THEIMPACTOFGOVERNMENTPOLICYANDREGULATIONONBANKINGANDTHEFINANCIALSERVICESINDUSTRYGoalofThisChapter:Thischapterisdevotedtoastudyofthecomplexregulatoryenvironmentthatgovernmentsaroundtheworldhavecreatedforbanksandotherfinancialservicefirmsinanefforttosafeguardthepublic’ssavings,bri

2、ngstabilitytothefinancialsystem,andpreventabuseoffinancialservicecustomers.KeyTopicsPresentedinThisChapter·ThePrincipalReasonsforBankandNonbankFinancial-ServicesRegulation·MajorBankandNonbankRegulatorsandLaws·TheRiegle-NealandGramm-Leach-Bliley(GLB)Acts·KeyRegulatoryIssuesLeftUnresolved

3、·TheCentralBankingSystem·OrganizationandStructureoftheFederalReserveSystemandLeadingCentralBanksofEuropeandAsia·IndustryImpactofCentralBankPolicyToolsChapterOutlineI.Introduction:NatureandImportanceofBankRegulationII.BankingRegulationA.ProsandConsofStrictRules1.Toprotectthepublic'ssavin

4、gs2.Tocontrolthemoneysupply3.Toensureadequatesupplyofloansandtoensurefairness4.Tomaintainconfidenceinthesystem5.Toavoidmonopolypowers6.Toprovidesupportforgovernmentactivities7.TosupportspecialsectorsoftheeconomyB.TheImpactofRegulation-TheArgumentsforStrictRulesversusLenientRulesIII.Majo

5、rBankingLaws-WhereandWhentheRulesOriginatedA.Meetthe“Parents”:TheLegislationThatCreatedToday’sBankRegulatorsa.NationalCurrencyandBankActs(1863-64)b.TheFederalReserveAct(1913)c.TheBankingActof1933(Glass-Steagall)d.EstablishingtheFDICunderGlass-Steagalle.CriticismsoftheFDICandResponsesVia

6、NewLegislationf.RaisingtheFDICInsuranceLimitB.InstillingSocialGracesandMorales-SocialResponsibilityLawsC.LegislationAimedatAllowingInterstateBanking:WhereCanthe“Kids”Play?23D.TheGramm-Leach-BlileyAct(1999):WhatAreAcceptableActivitiesforPlaytime?E.TellingtheTruthandNotStretchingIt-TheSar

7、banes-OxleyAccountingStandardsAct(2002)IV.The21stCenturyIssuesinanArrayofNewLaws,RegulationsandRegulatoryStrategiesA.TheFACTActB.Check21C.NewBankruptcyRulesD.FederalDepositInsuranceReformE.NewRegulatoryStrategiesinaNewCenturyandUnresolvedRegulatoryIssuesV.TheRegulationofNonbank