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The Regulation Of The Financial Institutions’ Sector参考
The Regulation Of The Financial Institutions’ Sector ? Learning Objectives ? To explore why financial institutions are one of the most regulated industries in the modern world. To discover the many types of regulation, and to understand how the financial institutions have been affected. To examine the recent global trend toward deregulation. The Reasons Behind Regulations Concern for the safety of the public’s funds. To promote public confidence in the system. To ensure equal opportunities and fairness in the public’s access to financial services. To prevent excessive money creation, and hence excessive inflation. To aid “disadvantaged” economic sectors. To ensure that important financial services are provided reliably and at a reasonable cost. Do Regulations Benefit or Harm Financial Institutions? Regulations subsidize the growth of financial institutions and protect them from competition. Regulations tend to increase public confidence. Regulations spawn innovative escapes (regulatory dialectics) through loopholes in the regulations. Do Regulations Benefit or Harm Financial Institutions? Regulatory dialectics are not the most productive form of innovation. The time and energy spent on regulatory compliance activities are costly. The Regulation of Commercial Banks Due to their importance in the financial system, commercial banks are typically the most regulated of all financial institutions. Responsibility for regulating U.S. banks today is divided among three federal banking agencies – the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation – and the state banking commissions of the 50 states. The Federal Reserve System Supervises and regularly examines all member banks operating in the U.S. Imposes reserve requirements on deposits held by all depository institutions and grants temporary loans of reserves. Must approve all applications of member banks to merge, establish branches, or exercise trust powers. The Fed
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