商业银行的监管(中英版)(ppt 34页)

What were banks in the past?
1. Historically, commercial banks have been the most heavily regulated companies.
    Resulted in a banking system with a large number of smaller banks that was limited in the scope of products and services that could be offered and the geographic areas where individual banks could compete.
2. As a result, they were the safest and most conservative business.
     Although regulations limited opportunities and risks, they virtually guaranteed a profit.
Two areas of changes：
1. Traditional role of banks as financial intermediaries declined
     New products such as cash management accounts, mutual funds, commercial paper, and junk bonds have become more prevalent.
     Banks have responded by accepting lower spreads, taking on more risk, and expanding their customer and product base.
2. Evolution of banking into nontraditional roles
商业银行业务的批准：
    第三条 商业银行可以经营下列部分或者全部业务
-1-14
-经营范围由商业银行章程规定，报银监会批准。
-商业银行经中国人民银行批准，可以经营结汇、售汇业务。
     第十一条 设立商业银行，应当经银监会审查批准。
-未经银监会批准，任何单位和个人不得从事吸收公众存款等商业银行业务，任何单位不得在名称中使用“银行”字样。

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