Preferencje help
Widoczny [Schowaj] Abstrakt
Liczba wyników
2004 | nr 10 | 16--24
Tytuł artykułu

Kierunki ewolucji systemu bankowego Stanów Zjednoczonych

Warianty tytułu
Directions of developments in the U.S. banking system
Języki publikacji
Przedstawiono historię rozwoju systemu bankowego w Stanach Zjednoczonych. Prześledzono zmiany w ustawodawstwie począwszy od 1863 roku aż po rok 2002.
On May 1st, 2004 Poland became a full European Union Member State, thus opening itself more widely to the world. We have arranged for the integration for a number of years. More and more foreign companies, including banks, invest in our country. The banks' offer across the world is ever more extensive, with the United States being the leader in this respect. Understanding the American banking system is especially important for Poles, in terms of our domestic banks being able to rival the competition and establish good cooperation with foreign banks. Learning the structure and functioning of the U.S. banking system derives from the examination of the legal acts underlying the banking regulations and specifying principles for the operation of commercial banks and the deposit guarantee system. The establishment of the FDIC - Federal Deposit Insurance Corporation is of great importance here. The beginnings of the development of banks in the United States are considered to be chaotic and unregulated. Only with time and due to crises that beset this economy sector, the government became involved in improving the system and building up public trust in banks. The number of financial institutions was on a steady increase, which boosted the sector's competitiveness. In 1864, the National Bank Act took effect and for years provided the foundation for the operation of American banks. However, it introduced numerous unfavourable restrictions - for instance, it prohibited banking operations beyond the territory of the state in which the bank operated. Another important legal act was the Glass-Steagal Act of 1933. Some of its provisions remained binding until 1999, when the Gramm-Leach-Bliley Act was adopted. The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) took effect in the late 80s. The Act was, inter alia, to consolidate the federal deposit insurance system. Crucial changes in the American banking system were implemented after
Opis fizyczny
  • P.A. Carrubba: Principles of banking. Washington D. C. 1994 American Bankers Association, s. 3.
  • J.M. Chapman, and R.B. Westerfield, Branch Banking: It's Historical and Theoretical Position in America and Aboard. New York 1942 Harper Press.
  • FDIC: A Brief History of Deposit Insurance in the United States. Washington D. C. September 1998 International Conference on Deposit Insurance, s. 60.
  • Federal Reserve Bank of Chicago, G.J. Benston and G.G. Kaufman: Deposit Insurance Reform in the FDIC Improvement Act: The Experience to Date. Second Quarter 1998, s. 14-20.
  • Federal Reserve Bank of Cleveland Bard of Directors: The Gramm-Leach-Bliley Act. Be careful what you ask for because you just might get it. February 10, 2000.
  • L.R. Fischer, O.I. Ireland: Living with the Gramm-Leach-Bliley Privacy Rules - Privet Labels, Co-Brand, Agent Bank and other Credit Partnerships. 2 No. 2 Privacy Info. L. Rep. 1 (October, 2001).
  • Milton Friedman and Anna J. Schwartz: A monetary History of the United States 1867-1960. Princeton, New Jersey 1963, s. 357-359.
  • J.K. Galbraith: The Great Crash of 1929. New York 1979 Avon Books, A Discus Book, s. 21-34.
  • M. Halley, J. Ruud: Report of the House Committee on Financial Services. Federal Deposit Insurance Reform Act of 2002, April 17, 2002.
  • G.G. Kaufman, L.R. Mote: Glass Steagall: Repeal by Regulatory and Judicial Interpretation. ãBanking Law JournalÓ September/October 1990, s. 388-421.
  • T.W. Koch: Bank Management. University of South Carolina 1995 The Dryden Press.
  • W.F. Kroener: III Implementation of Selected GLBA Provisions and Other Topics of Current Interest: The FDIC Perspective. SG023 ALI-ABA, 2001.
  • R.E. Litan, J. Rauch: American Finance for the 21st Century. Washington D.C. 1998 Brookings Institution Press, s. 33.
  • R. Moley: The First New Deal. Harcourt, Brace & World, Inc., New York 1966, s. 171.
  • L. Oręziak, B. Pietrzak: Bankowość na świecie i w Polsce. Stan obecny i tendencje rozwojowe. Warszawa 2000/2001 Instytut Naukowo-Wydawniczy OLYMPUS, s. 39.
  • E.W. Reed, E.K. Gill: Commercial Banking. New Jersey 1989 Prentice Hall.
  • J.F. Taylor: The Process of Change in American Banking. New York 1990 Quorum Books.
Typ dokumentu
Identyfikator YADDA

Zgłoszenie zostało wysłane

Zgłoszenie zostało wysłane

Musisz być zalogowany aby pisać komentarze.
JavaScript jest wyłączony w Twojej przeglądarce internetowej. Włącz go, a następnie odśwież stronę, aby móc w pełni z niej korzystać.