中国与美国银行系统的对比

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1、ChineseBankingSystemvsAmericanBankingSystemChineseBankingsystemcentralbankPolicybanksCommercialbanksPeople’sBankofChinaThePBCwasestablishedonDecember1,1948basedontheconsolidationoftheformerHuabeiBank,BeihaiBankandXibeiFarmerBank.PBCengagedinbothpolicyan

2、dcommercialbankingoperations.ItsheadquarterisinShanghaiInSeptember1983,theStateCouncildecidedtohavethePBCfunctionasacentralbank.In1995,TheLawofthePeople'sRepublicofChinaonthePeople'sBankofChinawasenacted,andthislawwasamendedin2003.PBC’sFunctionsConductmon

3、etarypolicyPreventanddissolvefinancialrisksMaintainfinancialstabilityundertheleadershipoftheStateCouncilCommercialBanksinChinastate-ownedcommercialbanksJoint-equitycommercialbanksOtherChineseBanksForeignCommercialBanksReformAtfirst,therefourwhollystate-ow

4、nedcommercialbanksAfterchina’sentrytotheWTO,thegovernmentstartedtoimplementaphasedreform.ThefinancialrestructuringstartedwiththeBOC(theBankofChina)andtheCCBattheendof2003,andthen2005theICBC.Atpresent,thereisonlyonewhollystate-ownedcommercialbank-ABC.State

5、-ownedCommercialbanksTheIndustrialandCommercialBankofChina(ICBC)setupin1984TheagriculturalBankofChina(ABC)TheBankofChina(BOC)TheChinaConstructionBank(CCB)Joint-equityCommercialbanks股份制商业银行14nationwideJoint-equityCommercialbanksChinaMinshengBank，HuaxiaBan

6、k，EverbrightBankofChina，CITICIndustrialBank，BankofChina，ConstructionBankofChinaEvergrowingBankCo,ltd(恒丰银行)ShanghaiPudongDevelopmentBank，BankofCommunications；ChinaZheshangBankIndustrialBank（兴业银行）；ShenzhenDevelopmentBank；Chinamerchantsbank(招商银行）；GuangdongDe

7、velopmentBank。Localcommercialbanks:BankofBeijingBankofShanghaiCreditAssociation:RuralCreditUnionandCooperativeBankspostofficesavingsbankOthersForeignBanksNationalCityBankofNewYorkHongKongandShangHaiBankingCorporationTheChartedBankBankofEastAsiaHangSengBan

8、kDBSGroup星展银行（中国）有限公司PS:In2007,thesixbanksmentionedabovecanengageinRMBbusiness.PolicyBanksAgriculturalDevelopmentBankofChinaTheStateDevelopmentBankTheExportandImportBankofChinaPolicyBanksThesethreepolicybankswereest