商业银行管理 ROSE 7e 课后答案 Chapter_03

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1、CHAPTER3THEORGANIZATIONANDSTRUCTUREOFBANKINGANDTHEFINANCIALSERVICESINDUSTRYGoalofThisChapter:Thegoalofthischapteristoexplorethedifferenttypesoforganizationsusedinthebankingandfinancialservicesindustry,toseehowchangingpublicmobilityandchangingdemandforfinancialservices,theriseofpotentcom

2、petition,andchanginggovernmentruleshavechangethestructure,sizeandthetypesoforganizationsinthisindustry.KeyTopicsinthisChapter·TheOrganizationandStructureoftheCommercialBankingIndustry·InternalOrganizationoftheBankingFirm:SmallerCommunityandLargerMoney-CenterBanks·TheArrayofOrganizationa

3、lStructuresinBanking:Unit,Branch,HoldingCompanyandElectronicBanks·InterstateBankingandTheRiegle-NealAct·TwoAlternativeTypesofBankingOrganizationsasthe21stCenturyOpened:TheFinancialHoldingCompanyandBankSubsidiariesModel·TheChangingOrganizationandStructureofBanking’sPrincipalCompetitors·E

4、fficiencyandSizeChapterOutlineI.Introduction:OrganizationalFormsandFunctioninBankingII.TheOrganizationandStructureoftheCommercialBankIndustryA.AdvancingSizeandConcentrationofAssetsB.IsaCounterTrendUnderway?III.InternalOrganizationoftheBankingFirmA.CommunityBanksandOtherCommunity-Oriente

5、dFinancialFirmsB.LargerBanks-MoneyCenter,WholesaleandRetailC.TrendsinOrganizationIV.TheArrayofOrganizationalStructuresandTypesIntheBankingIndustryA.UnitBankingOrganizationsB.BranchBankingOrganizations1.OrganizationalCharacteristics2.Branching'sExpansion3.ReasonsbehindBranching’sGrowth4.

6、AdvantagesandDisadvantagesofBranchBankingC.ElectronicBranching-WebsitesandElectronicNetworks:AnAlternativeandaSupplementtoTraditionalBankBranchOffices?32D.BankHoldingCompanyOrganizations1.OrganizationalCharacteristics2.WhyHoldingCompaniesHaveGrown3.One-BankHoldingCompanies4.MultibankHol

7、dingCompanies5.AdvantagesandDisadvantagesofHolding-CompanyBankingV.InterstateBankingandtheRiegle-NealInterstateBankingandBranchingEfficiencyActof1994A.Riegle-NealInterstateBankingandEfficiencyActof1994B.ResearchonInterstateBankingVI.TwoAlternativeTypesofBankingOrganizationAvail