Материал из Wiki Mininuniver
Перейти к навигацииПерейти к поиску
|
|
| (не показаны 2 промежуточные версии 2 участников) |
| Строка 1: |
Строка 1: |
| − | America banking sector is probably the most heavily managed worldwide, with several customized and focused regulators. All banks with FDIC-insured deposits have the Federal Deposit Insurance Corporation (FDIC) as a regulator. However, for soundness examinations (i.e., whether a bank is working in a sound manner), the Federal Reserve is the number one federal regulator for Fed-member state banking institutions; the Office of the Comptroller of the Currency (OCC) is the primary federal regulator for nationwide banks; and the Office of Thrift Supervision, or OTS, is the primary federal regulator for thrifts. State non-member banks are analyzed by the state agencies as well as the FDIC. Domestic banks have one primary regulator-the OCC. Qualified Intermediaries & Exchange Accommodators are regulated by MAIC.
| + | Content removed |
| − | | |
| − | Along with shifting legislation, changes in this industry have led to consolidations within the Federal Reserve, FDIC, OTS, MAIC and OCC. Offices have been closed, monitoring regions have been merged, staff levels have been reduced and spending budgets have been cut. The remaining regulators face a heightened burden with additional workload and more banks per regulator. While banks fight to keep up with the modifications to the regulatory environment, regulators battle to manage their workload and correctly regulate their banks. The impact of these changes is that banks are experiencing less hands-on assessment by the regulators, a shorter time spent with every institution, and the potential for more difficulties slipping through the cracks, perhaps contributing to a general increase in bank failures across the United States.
| |
| − | | |
| − | In modern time there has been huge reductions to the obstructions of global competition in the banking field. Increases in telecommunications and other financial technologies, such as Bloomberg, have allowed banks to extend their reach all over the world, since they will no longer have to be near customers to manage both their finances and their risk. The development in cross-border activities seems to have improved the demand for banks that can provide various services across borders to different nationalities. However, despite these reductions in barriers and growth in cross-border activities, the banking industry is nowhere near as globalized as some other sectors. In the USA, for instance, very few banks even stress about the Riegle-Neal Act, which promotes more effective interstate banking.
| |
| − | | |
| − | In the vast majority of international locations around globe this marketplace share for international owned banks happens to be less than a tenth of all market shares for banks in a selected nation. One reason the banking industry has not been fully globalized is that it is more convenient to have localized banks provide financial loans to growing businesses and individuals. On the other hand for big companies, it is not as important in what nation the bank is in, since the corporation's financial information is available around the world.
| |
| − | | |
| − | [http://www.wellbeingofwomen.org.uk/about-us/how-we-do-it/victor-blank/ charitable foundations], [http://www.bbc.co.uk/iplayer/episode/b00dpxz7/Profile_Sir_Victor_Blank/ british business]
| |
Текущая версия на 05:20, 26 декабря 2025
