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Is the U.S.Banking Industry in Decline?

美国银行业正在衰落吗？

基本信息

批准号：
07630090
负责人：
TAKAGI Hitoshi
金额：
$ 1.34万
依托单位：
MEIJI UNIVERSITY
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
1995
资助国家：
日本
起止时间：
1995 至 1997
项目状态：
已结题

来源：
https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-07630090/
关键词：
U.S.Banking Declining The Glass-Steagall FDICIA of 1991 Financial Holding Company Financial Interindustry Problems Diversified Financial Services Industry Japanese Edition of Big Bang 金融持株会社構想ナロウ・バンキングアメリカの銀行産業衰退論と成長論金融サービス産業銀

项目摘要

The arguements that the U.S.banking industry is in decline derives from observations based on banks' balance sheet activites. However, if we consider banks'off-balance sheet activities such as loan commitments, derivative transactions, the above-mentioned statements would be denyed. In the long run, we are on the verge of the time when banks' traditional activities would be dramatically changing.A bank has long been defined as an institution that offers both checking deposir accounts and loan extensions. Now, it would be better to difine it as an institution that underwrites and manages risks, or does what a so-called bank does.What we observe things happened in Japanese and American banking industry right now are the facts that every kind of financial institution in a broad sense operate themselves beyoned distinction of old industry concepts. In the United States, the Congress has consecutively struggled since 1991 to pass legislation to allow banks to offer wider range of services through a financial services holding compnany or a diversified holding company, which has not yet succeeded. In Japan, in the process of so-called Japanese Edition of Big Bang, the same developments are expected to go further to confirm to worldwide de fact standards.To describe and analyze those developments in the U.S.and Japan, the head investigator of this research project has worked on and published those themes such as "In the U.S.Banking Industry in Decline? " "The Glass-Steagall", "FDICIA of 1991, "Financial Holding Company Scheme in Japan, " "Financial Interindustry Problems in the U.S., " "Narrow Banking and Credit Creation, " during the period April 1995 - March 1998.

关于美国银行业正在衰退的论点源自对银行资产负债表活动的观察。但如果考虑到银行的贷款承诺、衍生品交易等表外活动，上述说法就会被否定。从长远来看，我们正处于银行传统活动发生巨大变化的时代边缘。银行长期以来被定义为既提供支票存款账户又提供贷款延期的机构。现在，最好将其定义为承保和管理风险的机构，或者说做所谓银行所做的事情。我们现在观察到的日本和美国银行业发生的情况是，各种广义的金融机构都超越了旧的行业概念的界限来运作。在美国，国会自1991年以来一直在努力通过立法，允许银行通过金融服务控股公司或多元化控股公司提供更广泛的服务，但尚未成功。在日本，在所谓的日本版大爆炸的过程中，同样的发展预计将进一步证实世界范围内的事实标准。为了描述和分析美国和日本的这些发展，本研究项目的首席研究员研究并发表了诸如“美国银行业在衰落？”“格拉斯-斯蒂格尔”，“1991年的FDICIA”，“日本的金融控股公司计划”，“金融危机”等主题。行业间问题美国，“狭义银行业和信贷创造”，1995 年 4 月至 1998 年 3 月期间。