Transcript
  • 2008.4. :

  • Table of Contents

  • : (1) (, , ) , (2) : ,

    * (financial institution ) , .

  • ()

    * 24 . (1) , (2) .

  • vehicle

  • ()1790 (Charter / )1824 1830-1860 1870 National Bank 1913 1920 ( but )1930 bank run 1933 1956 (BHCA)

  • 1933 (- ) - Commercial banking Investment banking - : / - CP . 1999 GLBA - Bank v. Commerce Bank v. Finance - Finance i.e. IBM & MS as a financing company?

  • GLBA 1980 . 1980 (i.e. FDIC) ()(FHC)

  • ()Compartmentalism v. Universal BankingGesetz ber das Kreditwesen: . (9 11 ) , . : , , .

  • 2003 .

  • Systemic risk

  • (Fear to Bigness) - 1890 Tyranny - v.

  • v. or /

  • i.e. ( - ) - - , .

  • v. , .

  • . i.e. 37 : : 4%

  • ( . ) ( "" ) ( "" ) 1 3 .

  • , . , , 7 ,

  • ( ) . , . 162 2 6 .

  • . (effectiveness) , (efficiency) . (over-regulation) . . ,

  • 1: 2: 3: (1) 3-1: (2) 3-2:

  • 2 (slippery slope) --( Gramm-Leach-Bliley Act) , .

  • 2 . , 1( ) 3-2() 2() 2()

  • 3-2 , 3-2 , , ,

  • , . , , , .

  • , , .

  • 1 . 3-2 3-1 . 2 1 .

  • . . 10, . .

  • -

  • : [email protected] [email protected]


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