银行及金融机构法 英文本2025|PDF|Epub|mobi|kindle电子书版本百度云盘下载

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Chapter Ⅰ.Evolution of Banking and Fi-nancial Institutions Law1

A.Introduction1

B.Earlier Money and Banking3

1.National Banks and Currency5

2.Spread of Corporate Banking6

C.Banking Development in the United States8

1.First and Second Bank of the United States8

2.Free Banking ERA10

3.National Banking Act and the Dual Banking System11

4.Federal Reserve System and the Great Depression14

5.New Deal Reforms16

6.World War Ⅱ Finance18

7.Postwar Prosperity and Policies19

D.Economic Strains and Electronic Finance25

Chapter Ⅱ. Money and Banking29

A.Money,Central Banking,and the Federal Reserve System29

Table Ⅱ-1 Growth of U.S. Commercial Banking,1792-199532

1.Financial Beginnings and the Banks of the United States33

2.Decentralized Banking,1837-191340

3.Civil War and the Dual Chartering System41

4.Federal Reserve System,1913-3245

a.Establishment of the Federal Re-serve45

b.World WarⅠ and the Twenties49

c.The Great Depression51

5.New Deal Reforms and the Federal Reserve,1933-4153

6.World War Ⅱ and Postwar Adjust-ments,1941-5161

Chart Ⅱ-1 Monetary Policy Guidelines66

7.Monetary and Economic Policy,1951-Present68

a.Truman-Eisenhower,1951-6069

b.Kennedy-Johnson,1961-6870

c.Nixon-Ford,1969-7671

d.Carter,1977-8075

e.Reagan,1981-8877

f.Bush84

g.Clinton88

h.Lessons for Policy92

B.Guidelines and Constraints98

1.Instruments of Monetary and Banking Policy99

Chart Ⅱ-2 Monetary Instruments,Targets and Policy Goals100

a.Open Market Operations101

b.Reserve Requirements103

c.Discount Rates105

d.Credit Controls107

2.Government Debt Policies,Deficits,and World Market110

Chapter Ⅲ. Banking Market Regulation117

Chart Ⅲ-1 Agency Supervision and Exami-nation Authority(partly over-lapping jurisdiction)118

A.Chartering and Entry Requirements120

Table Ⅲ-1 New Bank Charters,1935-1994121

B.Bank Insurance and Supervision131

Table Ⅲ-2 Bank Failures,FDIC Payoffs and Assumptions,1934-94133

Chart Ⅲ-2 Balance Sheets for Banking In-stitutions139

C.Bank Supervision and Preventing Failure140

Chart Ⅲ-3 Income Statements(Cash Flow Accounts)for Banking Insti-tutions140

D.Specific Limitations on Bauking Activities155

1.Lending Limits156

2.Bank Affiliate Transactions158

3.Insider Lending160

4.Borrowing Limits162

5.Bribery,Fraud,and Extortion163

6.Securities Marketing and Commercial Banking164

7.Trust Accounts and Departments170

8.Regulation of Interest on Deposit Ac-counts172

9.Prohibition of Interest on Demand De-posits173

10.Truth-in-Lending175

11.Credit Cards and Electronic Banking176

12.Fair Credit Reporting and Privacy178

13.Discrimination in Credit180

E.Constraints Upon Branching,Holding Companies and Mergers184

1.Branching Laws185

2.Bank Holding Companies191

3.Bank Mergers197

(b)Post-merger H between 1000 and 1800207

(a)Post-merger H below 1000207

(c)Post-merger H above 1800208

4.EFT Access and Pricing210

F.International Banking213

1.U.S.Banking Abroad215

2.Foreign Banks in the U.S.221

3.Recent Controversy and Problems224

Chapter Ⅳ. Thrift Institutions236

Table Ⅳ-1 Development of U.S. Thrift In-stitutions:Mutual Savings Banks,Savings＆Loan Asso-ciations,and Credit Unions,1816-1995238

A.Savings Bank Regulation242

B.Savings and Loan Association Regulation250

C.Inflation,Disintermediation and Crisis264

D.Regulating Thrifts in Transition269

E.Credit Union Regulation283

A.Role of Securities Markets299

Chapter Ⅴ. Securities Market Regula-tion299

Chart Ⅴ-1 Financial Intermediation and Securities Markets301

Table Ⅴ-1 U.S. Securities Facts304

B.United States Securities Regulation Sys-tem305

Chart Ⅴ-2 Securities Regulation System307

1.Scope of Securities Regulation308

2.Registration and Disclosure Process309

3.Public Companies and Trading Limita-tions311

4.Margin Trading Restrictions314

C.Securities Exchanges and Trading317

D.Regulation of Securities Firms321

1.Underwriters and Investment Banking321

2.Dealer-Broker Network and the NASD326

3.Securities Investor Protection Corpo-ration329

E.Investment Companies and Mutual Funds332

Chapter Ⅵ. Insurance Regulation342

A.Development of Insurance and Regulation344

Table Ⅵ-1 U.S. Insurance Facts347

Chart Ⅵ-1 Insurance Regulation System356

B.Main Features of Insurance Regulation357

1.Chartering,Entry and Licensing358

2.Capital,Reserves and Solvency359

3.Rate Making and Filings363

5.Standard Contracts and Customer Protection367

4.Financial Reporting367

C.Socialized Risk Coverage369

Table Ⅵ-2 Socialized Insurance370

1.Shortcomings and Reforms373

D.Possible Reforms and Federal Regulation373

2.Federal Regulation378

3.Banking and Insurance Controversies382

Chapter Ⅶ. Pension Funds,Retire-ment Accounts and Social Security388

Table Ⅶ-1 U.S. Pension Facts389

A.Historical Development392

B.Pension Plan and Funding Regulations400

1.Participation and Vesting404

2.Funding Requirements405

3.Investment Regulation408

4.Reporting and Disclosure411

5.Pension Benefit Guaranty Corporation411

C.Individual Retirement Accounts415

D.Social Security,Pensions and Funding Conflicts419

Table Ⅶ-2 Social Security Taxes,Interest,Benefit Payments and Trust Fund Assets,1937-1994(mil-lions)421

A.Current Controversies429

Chapter Ⅷ. Controversies and Pros-pects429

B.Government Deficits and Monetary Policy431

C.International Banking and Finance Prob-lems436

D.Restructuring Financial Markets440

Table Ⅷ-1 U.S. Financial Intermediary As-sets,1929-1994443

Chart Ⅷ-1 Traditional Market Participa-tion Among Financial Institu-tions444

Chart Ⅷ-2 Potential Restructuring of Mar-ket Participation Among Fi-nancial Institutions445

E.Changing Regulatory Organization and Framework457

INDEX461

INDEX461