現(xiàn)代銀行(1)課件

PARTONEOverviewoftheBankingIndustryinChina

Keywords:savings;monetarypolicy;inflationarypressure;fiscaldeficit;credit;equity;convertibility;reserveratio;CAR;Realestate;insolvency;list;……1.

Thedefinitionofbank

1)U.K.

AbankisafirmthathasbeenlicensedbytheBankofEnglandtotakedepositsandisauthorizedundertheBankingActof1987tooperateintheU.K.2)H.K.

Whichprovidespecialtypesofservicesrelatingdirectlyorindirectlytofinance.1.

Thedefinitionofbank3)Generallyacorporation,charteredbyastateorfederalgovernment,----receivesdeposits;----honorsinstrumentsdrawnonthem;----discountsnotes;----makesloans;----investsinsecurities……——mobilizing——allocatingcapitalfundstofinanceproductiveinvestment——transmittingmonetarypolicy——providingapaymentsystem——transformingrisksInoneword：Banksplayadominantroleintheeconomy2.

Discuss:whocantelluswhat’stheroleofabank?

3.

BankingsystemofChina1)threephasesoftheevolutionoftheChinesebankingsystem——1948sign:establishmentofthePBCcharacteristic:Monobank——1984sign:tomakethePBCfunctionasacentralbankcharacteristic:diversification(ICBC;ABC;BOC;CCB)3.

BankingsystemofChinastructuralmeasuresinclude:——(1996)theestablishmentofaunifiedinter-bankmoneymarket——theshiftfromdirecttoindirectmonetarypolicyinstruments——thesegregationofbankingbusinessfromsecuritiesandinsurancebusiness3.

BankingsystemofChinaconsistsofcentralbankstate-ownedcommercialbankspolicybanksjoint-equitycommercialbanksurbanandruralcreditcooperativesnon-bankingfinancialsector:trustandinvestmentcompanies;securitiesfirms;financecompanies;insurancefirms……4.U.K.andUSABanksSysteminGeneralEnglandbankRetailbanks(e.g.“bigfour”inEngland)WholesaleBanksBoardofgovernorsFederaladvisorycommittee12FederalReserveBanks24FederalReserveBranchBanksMemberBanksTheFederalReservesystem5.Thefinancialreformofthecentralbank

——issuingbankissuecurrencyandregulateitscirculation——bank’sbankprovidepaymentandsettlementserviceThefunctionsofthecentralbank5.Thefinancialreformofthecentralbank——government’sbankactasfiscalagentparticipateininternationalfinancialcooperationonbehalfofthestatemanagetheofficialinternationalreservesformulateandimplementmonetarypolicysupervisefinancialinstitutionsandregulatefinancialmarkets……5.Thefinancialreformofthecentralbank

——organization:9regionalbranches——theconductionofmonetarypolicy:

directtoindirectpolicyinstrument

note:(1)Direct------creditceiling;theceilingofcreditinterestrate(2)indirect------rediscounttherequiredreserveratioopenmarketoperations5.ThefinancialreformofthecentralbankThemeasuresforstrengtheningbankingsupervisionacomprehensiveriskmonitoringandwarningsystemarisk-basedfive-categoryloanclassificationsystemraisingthecapitaladequacyratioofthestate-ownedcommercialbanksto8%separatingloanapprovalfromloanreleasestrictfit-and-propertestsassetmanagementcompaniesself-disciplineofthebankingindustryandsoon………………5.ThefinancialreformofthecentralbankTheliberalizationofinterestrate

——foreigncurrencyinterestrate＞thelocalcurrencyinterestrate——ruralinterestrate＞urbaninterestrate——lendinginterestrate＞depositinterestrate6.theReformoftheCommercialBank——restructured——trans