《现代银行》PPT课件

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1、PARTONEOverviewoftheBankingIndustryinChinaKeywords:savings;monetarypolicy;inflationarypressure;fiscaldeficit;credit;equity;convertibility;reserveratio;CAR;Realestate;insolvency;list;……1.Thedefinitionofbank1)U.K.AbankisafirmthathasbeenlicensedbytheBankofEnglandtotakedepositsandisauthori

2、zedundertheBankingActof1987tooperateintheU.K.2)H.K.Whichprovidespecialtypesofservicesrelatingdirectlyorindirectlytofinance.1.Thedefinitionofbank3)Generallyacorporation,charteredbyastateorfederalgovernment,----receivesdeposits;----honorsinstrumentsdrawnonthem;----discountsnotes;----make

3、sloans;----investsinsecurities……——mobilizing——allocatingcapitalfundstofinanceproductiveinvestment——transmittingmonetarypolicy——providingapaymentsystem——transformingrisksInoneword：Banksplayadominantroleintheeconomy2.Discuss:whocantelluswhat’stheroleofabank?3.BankingsystemofChina1)threep

4、hasesoftheevolutionoftheChinesebankingsystem——1948sign:establishmentofthePBCcharacteristic:Monobank——1984sign:tomakethePBCfunctionasacentralbankcharacteristic:diversification(ICBC;ABC;BOC;CCB)3.BankingsystemofChina3.BankingsystemofChina——1993sign:theDecisionOnFinancialReformcharacteris

5、tic:structuralmeasuresstructuralmeasuresinclude:——(1994)unificationoftheRMBexchangeratesandtheforeignmarkets——(1995)passageofcentralbankingandcommercialbankinglaws——(1996)acceptanceoftheobligationsoftheArticleⅧofIMFstructuralmeasuresinclude:——(1996)theestablishmentofaunifiedinter-bankm

6、oneymarket——theshiftfromdirecttoindirectmonetarypolicyinstruments——thesegregationofbankingbusinessfromsecuritiesandinsurancebusiness3.BankingsystemofChinaconsistsofcentralbankstate-ownedcommercialbankspolicybanksjoint-equitycommercialbanksurbanandruralcreditcooperativesnon-bankingfinan

7、cialsector:trustandinvestmentcompanies;securitiesfirms;financecompanies;insurancefirms……4.U.K.andUSABanksSysteminGeneralEnglandbankRetailbanks(e.g.“bigfour”inEngland)WholesaleBanksBoardofgovernorsFederaladvisorycommittee12FederalReserveBanks24FederalReserveBranchBanksMemberBanksTheFe