商业银行管理全套配套课件英文PPT教师手册习题习题答案 Chap004.ppt

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1、ChapterFourEstablishingNewBanks,Branches,ATMs,TelephoneServices,andWebsitesKeyTopicsCharteringNewFinancial-ServiceInstitutionsThePerformanceofNewBanksEstablishingFull-ServiceBranchesandIn-StoreBranchingEstablishingLimited-ServiceFacilitiesATMsandTelephoneCentersTheInternetandOnlineBanki

2、ngIntroductionFinancial-servicefacilitiesareusuallyestablishedtodayfortheconvenienceofcustomersFormostofthehistoryoffinancial-serviceproviders,conveniencehasmeantlocationCustomers’viewsaboutwhatisconvenientarechangingrapidlypartlyduetotechnologyIndecidinghowtheywillrespondtocustomers’ch

3、angingdemands,financialfirmstodayhaveseveraloptions:Charteringnew(denovo)financialinstitutionsEstablishingnewfull-servicebranchofficesSettinguplimited-servicefacilitiesCharteringaNew(DeNovo)Financial-ServiceInstitutionNoonecanstartafinancialfirminmostcountrieswithouttheexpressapprovalof

4、federalorstateauthorities,sometimesbothInthecaseofbanks,thepublic’sneedforanew(denovo)bankinaparticularlocationmustbedemonstratedUsuallythefounderstockholdersmustsupplyenoughstart-upcapitaltocoverseveralyearsandshowthattheproposednewinstitutionwillachieveadequatelevelsofprofitabilityGov

5、ernmentcharteringagenciesbelievefinancial-serviceprovidersneedspecialscrutinyforseveralreasons:Theyholdthepublic’ssavingsManyfinancialfirmsareattheheartofthepaymentsprocesstosupporttradeandcommerce,sotheirfailurecoulddisruptbusinessactivityTheyhavetheabilitytocreatemoney(throughgranting

6、credit)dingpower),whichsuggeststhatcharteringtoomanymightTheBankCharteringProcessintheUnitedStatesOnlythebankingcommissionsineachofthe50statesandtheOfficeoftheComptrolleroftheCurrency(OCC)canissueacharterofincorporationtostartanewU.S.bankGenerally,federalstandardsforreceivingabankcharte

7、raremorerigorousthantherulesofstatebankingcommissionsOrganizersoftenseekafederalbankcharterfortheaddedprestigeitconveysinthemindsofcustomers,especiallylargedepositorsThechoicebetweenpursuingafederalorastatecharterusuallycomesdowntoweighingthebenefitsandcostsofeachfortheparticul