商业银行管理 ROSE 7e 课后答案chapter_04

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1、CHAPTER4CREATINGANDMANAGINGSERVICEOUTLETS:NEWCHARTERS,BRANCHES,ANDELECTRONICFACILITIESGoalofThisChapter:ThepurposeofthischapteristolearnhownewbanksarecharteredbystateandfederalauthoritiesintheUnitedStates,todeterminewhatmakesagoodsiteforanewbranchoffice,to

2、recognizehowtheroleofbranchofficesischanging,andtoexploretheadvantagesanddisadvantagesofautomatedbankingfacilities.KeyTopicsinThisChapter·CharteringNewFinancialServiceInstitutions·PerformanceofNewBanks·EstablishingFullServiceBranches·In-StoreBranching·Esta

3、blishingLimitedServiceFacilities·ATMsandTelephoneCenters·TheInternetandOnlineBankingChapterOutlineI.IntroductionA.TheImportanceofConvenienceandTimelyAccesstoCustomersB.ServiceOptionsAvailableToday1.CharteringNew(DeNovo)FinancialInstitutions2.EstablishingNe

4、wFull-ServiceBranches3.SettingUpLimited-ServiceFacilitiesII.CharteringaNewBankorOtherFinancialServiceInstitutionsIII.TheBankCharteringProcessintheUnitedStatesA.TheCharteringAuthoritiesintheU.S.B.BenefitsofApplyingforaNationalCharterC.BenefitsofApplyingfora

5、StateCharterIV.QuestionsRegulatorsUsuallyAsktheOrganizersofaNewBankV.FactorsWeighingontheDecisiontoSeekaNewBankCharterA.ExternalFactors1.LevelofEconomicActivity2.GrowthofLocalEconomicActivity3.TheNeedforaNewBank4.StrengthandCharacterofLocalCompetitioninSup

6、plyingFinancialServices45B.InternalFactors1.QualificationsandContactsoftheOrganizers2.ManagementQuality3.PledgingofCapitalandFundstoCovertheCostofFilingaCharterApplicationandGettingUnderwayVI.VolumeandCharacteristicsofNewBankChartersA.NumbersofNewChartersB

7、.CharacteristicsofNewCharterMarketsVII.HowWellDoNewBanksPerform?A.NewBankFinancialPerformanceB.Pro-CompetitiveEffectsonServiceOfferingsandServicePricingVIII.EstablishingFull-ServiceBranchOffices:ChoosingLocationsandDesigningNewBranchesA.AdvantagesofFull-Se

8、rviceBranchesB.TrendsintheDesignofNewBranchesC.DesirableSitesforNewBranchesD.ExpectedRateofReturnE.GeographicDiversificationF.BranchRegulationG.TheChangingRoleofBranchesH.In-StoreBranchingIX.EstablishingandMo