商業銀行的監管(中英版)(ppt 34頁)

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
商業銀行業務的批準：
第三條 商業銀行可以經營下列部分或者全部業務
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-經營範圍由商業銀行章程規定，報銀監會批準。
-商業銀行經中國人民銀行批準，可以經營結彙、售彙業務。
第十一條 設立商業銀行，應當經銀監會審查批準。
-未經銀監會批準，任何單位和個人不得從事吸收公眾存款等商業銀行業務，任何單位不得在名稱中使用“銀行”字樣。

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