爱在我心中 美国的银行业系统介绍省流量
为大家整理美国的银行业系统介绍，希望对你有帮助哦!酒后驾驶处罚新标准
Several of the characteristics of American banking just discusd carry over into today's commercial banking system. Prominent among the is the dual-chartering system; that is, we continue to have commercial bank charters issued at two different levels of government. National banks receive their charters from the Comptroller of Currency~. Any national bank must have somewhere in its corporate title the word "national". Thus, for example, "Wells Fargo Bank, National Association" indicates that this bank has a federal charter. All national banks must be members of the Federal Rerve System.
铜戒指>有朋自远方来作文
Most banks, however, receive their charters from the appropriate agency of their respective state. They are under the supervision of their state's banking authority. However, state-chartered commercial banks may elect to become members of the Federal Rerve System, but this not mandatory for them as it is for national banks. If state-chartered banks~ elect membership in the Federal Rerve System, they come under the supervision
of two banking authorities, state and national.
Thus, the American commercial banking system is comprid of two types of banks: the member banks of the Federal Rerve System which are national banks and tho state-chartered banks electing membership; and nonmember state-chartered banks. Today' s banking system in the United States is comprid of more than 14,000 individual banks. Of this number, well under 50 percent are member banks of the Federal Rerve System;;only 5,788 commercial banks out of a total of 14,633, or roughly 40 percent. The member banks, however, commanded the largest share of commercial banks resources, about three-fourths as of June 30, 1976. They held over three-fourths of deposits subject to check, $202,144 million as of the same date, which reprented some 67 percent of our total money supply.
Although the national banks did~ continue a considerable advance in American commercial banking development, they also brought with them disadvantages. Their improvements included the establishment of a safe, uniform currency and a reduction in t
女式牛仔裤he number of commercial bank failures through strengthening due to more conrvative standards of regulation and examination. There also developed a measure of correspondent banking relations through the provision for regarding, deposits in rerve city and central rerve city banks as rerves. But this last feature also was the System's greatest weakness. The National Bank System provided for the concentration go existing rerves into the city banks, but no provision was made for the creation of new rerves when necessary.
diorsIn our discussion, the two characteristics of prent-day commercial banks will be in the forefront of much of our analysis: First, commercial banks create deposit liabilities against themlves, instead of note issue as the early banks did; and cond, commercial banks today hold a wide variety of earning asts, not just short-term, lf-liquidating loans~. One thing, however, continues to be just as true today as it was in the days of the banker: creation of money occurs when two opposite transactions take place simultaneously between the commercial bank and the customer~ The commercial bank increas its debt to the customer, and the customer puts himlf into debt to the bank by
万科企业the same amount. This simultaneous exchange of liabilities is significant becau one of the debts created;;the demand deposit liability;;is money while the other-the loan;;earns income for the bank.
