商业银行管理Bank Managment&Financial Services(7th)第2章课后题答案

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1、CHAPTER2THEIMPACTOFGOVERNMENTPOLICYANDREGULATIONONBANKINGANDTHEFINANCIALSERVICESINDUSTRYGoalofThisChapter:Thischapterisdevotedtoastudyofthecomplexregulatoryenvironmentthatgovernmentsaroundtheworldhavecreatedforbanksandotherfinancialservicefirmsinanefforttosafeguardthepublic’ss

2、avings,bringstabilitytothefinancialsystem,andpreventabuseoffinancialservicecustomers.KeyTopicsPresentedinThisChapter·ThePrincipalReasonsforBankandNonbankFinancial-ServicesRegulation·MajorBankandNonbankRegulatorsandLaws·TheRiegle-NealandGramm-Leach-Bliley(GLB)Acts·KeyRegulatory

3、IssuesLeftUnresolved·TheCentralBankingSystem·OrganizationandStructureoftheFederalReserveSystemandLeadingCentralBanksofEuropeandAsia·IndustryImpactofCentralBankPolicyToolsChapterOutlineI.Introduction:NatureandImportanceofBankRegulationII.BankingRegulationA.ProsandConsofStrictRu

4、les1.Toprotectthepublic'ssavings2.Tocontrolthemoneysupply3.Toensureadequatesupplyofloansandtoensurefairness4.Tomaintainconfidenceinthesystem5.Toavoidmonopolypowers6.Toprovidesupportforgovernmentactivities7.TosupportspecialsectorsoftheeconomyB.TheImpactofRegulation-TheArguments

5、forStrictRulesversusLenientRulesIII.MajorBankingLaws-WhereandWhentheRulesOriginatedA.Meetthe“Parents”:TheLegislationThatCreatedToday’sBankRegulatorsa.NationalCurrencyandBankActs(1863-64)b.TheFederalReserveAct(1913)c.TheBankingActof1933(Glass-Steagall)d.EstablishingtheFDICunder

6、Glass-Steagalle.CriticismsoftheFDICandResponsesViaNewLegislationf.RaisingtheFDICInsuranceLimitB.InstillingSocialGracesandMorales-SocialResponsibilityLawsC.LegislationAimedatAllowingInterstateBanking:WhereCanthe“Kids”Play?23D.TheGramm-Leach-BlileyAct(1999):WhatAreAcceptableActi

7、vitiesforPlaytime?E.TellingtheTruthandNotStretchingIt-TheSarbanes-OxleyAccountingStandardsAct(2002)IV.The21stCenturyIssuesinanArrayofNewLaws,RegulationsandRegulatoryStrategiesA.TheFACTActB.Check21C.NewBankruptcyRulesD.FederalDepositInsuranceReformE.NewRegulatoryStrategiesinaNe

8、wCenturyandUnresolvedRegulatoryIssuesV.TheRegulationofNonbank