欧洲零售式银行业务的未来
2002-12
吉林长白山
Keasey, Kevin; McDonald, Oonagh;
192
Within Europe, the banking sector is commencing a period of considerable change and consolidation. Advances in technology, competition from the non-banking sector, the introduction of the Euro, a European Central bank and, possibly, pan-European Regulation, combined with the challenge from US banks, increased mergers and changing practices means 21st century banking is changing immeasurably. The Future of Retail Banking in Europe is written in an accessible style by Oonagh McDonald and Kevin Keasey, two of the leading authorities in the field and includes: In-depth analysis of the banking structures in all the major European markets. Foreword by Guy Warren, Head of Banking, Europe, Unisys Corporation Unique insights into the industry from the CEOs of major European banks. The challenges being faced in the industry and predictions into what the future holds for retail banking in Europe. This book will be essential reading for middle and senior managers in the banking and financial service sectors, both suppliers and investors in the banking sector, and MBA students.
Foreword by Guy WarrenPrefaceAcknowledgements1 Setting the scene Banks，money and the payments system Banks as intermediaries The role offl bank The threat from non—banks and near-banks Are credit cards a threat to banks? E—banking：competition from non．banks and near-banks Conclusions2 The challenges The squeeze on bank interest income Developments in capital markets Decline in corporate bank lending The euro and the customer Some conclusions3 Transparency and accountability New accounting standards Developments in corporate governance4 France：seven slices of the cake The banking system Government—sponsored savings Banking strategies Conclusion5 Germany: a level playing field The cooperative banks The Sparkassen The mortgage banks The EC judgements The impact of the EC The impact of tax reforms Retail banking strategy6 Italy: fast-track banking Developments in the 1990s Banking strategies Spain: off to a flying start Early deregulation Two main categories of bank Banking strategies Scandinavia: a silver lining The banking crisis Banking strategies Netherlands: an early consolidator The major banks Room for manoeuvre Banking strategies10 UK: another early consolidator The banking system Mergers and acquisitions The current state of banking Banking strategies Appendix: the demutualisation of UK building societies 11 Looking to the future The technology process and innovation Banking customers and the dynamics of change Technological developments Implementation issues Conclusions12 Who will jump first?
