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1、美国银行业的下一个危机？(NextCrisisForUSBanks?)OnMondayafternoon,DonovanMcKittywalkedintoaTDBankbrancharoundthecornerfromtheNewYorkStockExchangetomakeadeposit.Thetellerlookedathischecking-accountnumber,thenslippedintoabackroomwhereanotheremployeeprocessedthedepositonadifferentcomputer. Abouthalfo
2、fparentTDBankFinancialGroup's1,075branchesontheEastCoasthavetwocomputersystemsthatcan'ttalktoeachother.ThatisbecausetheTorontocompanyboughtCommerceBancorpInc.,ofCherryHill,N.J.,inMarch,butwon'tfullyintegratethecombinedbank'sbranchesuntilSeptember.(PleaseseerelatedarticleonpageC5.) Few
3、thingsinbankingareasho-humastheback-officeoperationsthathandlebillionsofdeposits,withdrawalsandothertransactionseveryday.Butwithacquisitionactivityintensifying,suchsystemsareabouttofaceahugetest. J.P.MorganChase&Co.,WellsFargo&Co.andPNCFinancialServicesGroupInc.arespendinghundredsofmi
4、llionsofdollarsduringthenextfewyearstointegratetheirrecentpurchasesofWashingtonMutualInc.'sbankingoperations,WachoviaCorp.andNationalCityCorp.,respectively. Thosesixbanksholdabout22%ofthenation's$7trilliondepositbase.Inadditiontomergingcomputernetworks,somebrancheswillbeclosedandother
5、swillgetanewlook.Millionsofcustomersalsowillseechangestodebitcardsandonlinebanking. 'Wehaven'tseenanythinglikethisinatleast10years,'saysBradStrothkamp,aretail-bankinganalystatconsultingfirmForresterResearchInc.,referringtothenumberofmassiveintegrationsthatwilloccursimultaneously. Any
6、significantstumbleswillcreateheadachesforretail-bankingcustomersatatimewhenmanyarerattledbyfailures,near-failuresanddwindlingprofitsatbanksacrosstheU.S. Thejobofcombiningtwobanksisnotoriouslyexpensive,complicatedandrisky.IttookJ.P.Morgan,anamalgamationofmorethan200banks,about17yearsto
7、fullymergetheoperationsofTexasCommerceBancsharesInc.,whichtheNewYorkbankboughtin1988. About20%ofthecustomersacquiredbyFirstUnionCorp.inthe1998takeoverofCoreStatesFinancialCorp.defected,withmanyfrustratedbytechnicalglitchesintheiraccounts.FirstUnion,ofCharlotte,N.C.,boughttheformerWa
