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| − | The Us banking industry is among the most greatly governed in the world, with a number of customized and concentrated regulators. All banks with FDIC-insured deposits have the Federal Deposit Insurance Corporation (FDIC) as a regulator. Having said that, for soundness analysis (i.e., whether a bank is operating in a sound approach), the Federal Reserve is the foremost federal regulator for Fed-member state banks; 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 specialists as well as the FDIC. National banks have one primary regulator-the OCC. Qualified Intermediaries & Exchange Accommodators are regulated by MAIC.
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| − | In addition to transforming policies, changes in the 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 decreased and spending budgets have been slashed. The remaining regulators face an enhanced burden with increased workload and more banks per regulator. While banks struggle to keep up with the changes in the regulatory conditions, regulators find it difficult to handle their workload and efficiently regulate their banks. The outcome of these changes is that banks are experiencing less hands-on assessment by the regulators, much less time spent with each institution, and the potential for more situations slipping through the cracks, possibly contributing to a general increase in bank deficiencies across the Nation.
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| − | In modern time there has been large markdown to the obstructions of global competition in the banking segment. Increases in telecommunications along with other financial systems, such as Bloomberg, have allowed banks to extend their reach across the globe, since they no longer have to be near customers to manage both their finances and their risk. The growth in cross-border activities seems to have improved the need for banks that can provide different services across borders to different countries. However, despite these reductions in barriers and growth in cross-border activities, the banking industry is nowhere near as globalized as other sectors. In the USA, for instance, very few banks even care about the Riegle-Neal Act, which promotes better interstate banking.
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| − | In the vast majority of countries around globe the industry 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 nearby banks provide financial loans to small businesses as well as people. On the other hand for sizeable businesses, it is not as essential in what nation the bank is in, since the corporation's financial information is available around the globe.
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| − | [http://www.wellbeingofwomen.org.uk/about-us/how-we-do-it/victor-blank/ british business], [http://www.bbc.co.uk/iplayer/episode/b00dpxz7/Profile_Sir_Victor_Blank/ philanthropy]
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Версия 05:20, 26 декабря 2025
