은행의 소유지배구조 : 은행과 산업간의 상호지배
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Transcript of 은행의 소유지배구조 : 은행과 산업간의 상호지배
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2008.4. :
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Table of Contents
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: (1) (, , ) , (2) : ,
* (financial institution ) , .
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()
* 24 . (1) , (2) .
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vehicle
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()1790 (Charter / )1824 1830-1860 1870 National Bank 1913 1920 ( but )1930 bank run 1933 1956 (BHCA)
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1933 (- ) - Commercial banking Investment banking - : / - CP . 1999 GLBA - Bank v. Commerce Bank v. Finance - Finance i.e. IBM & MS as a financing company?
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GLBA 1980 . 1980 (i.e. FDIC) ()(FHC)
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()Compartmentalism v. Universal BankingGesetz ber das Kreditwesen: . (9 11 ) , . : , , .
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2003 .
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Systemic risk
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(Fear to Bigness) - 1890 Tyranny - v.
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v. or /
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i.e. ( - ) - - , .
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v. , .
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. i.e. 37 : : 4%
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( . ) ( "" ) ( "" ) 1 3 .
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, . , , 7 ,
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( ) . , . 162 2 6 .
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. (effectiveness) , (efficiency) . (over-regulation) . . ,
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1: 2: 3: (1) 3-1: (2) 3-2:
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2 (slippery slope) --( Gramm-Leach-Bliley Act) , .
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2 . , 1( ) 3-2() 2() 2()
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3-2 , 3-2 , , ,
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, . , , , .
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, , .
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1 . 3-2 3-1 . 2 1 .
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. . 10, . .
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