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市場調查報告書
商業策略：美國之銀行破產及不斷改變之營運狀況
Business Strategy: Looking at 2009 U.S. Bank Failures and the Changing U.S. Banking Landscape
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商業策略：美國之銀行破產及不斷改變之營運狀況 是由出版商IDC Financial Insights在2010年02月所出版的。
這份英文市場調查報告書包含Pages: 17 價格從美金4500起跳。
雖全球金融機關仍被視為將持續減少，但銀行破產之速度已在減緩，並過了最惡化之階段。而利率風險、通貨膨脹、二次衰退、商業不動產之不履行債務、不動產市場更加低迷等，卻依然存在著危害銀行系統之威脅性。
本報告為，調查美國銀行破產之歷史，特別是過去10年間金融機關之數量及近年破產之影響，並匯整銀行破產之推測、對美國聯邦存款保險公司（FDIC）之影響，銀行破產之成本、未來展望、針對金融機關及供應商之建議等，含圖表共17頁，以下列摘要形式闡述。
Financial Insights之見解
關於本調查
概況
- 回顧
- 每年之銀行破產
- 銀行破產數量
- 對美國聯邦存款保險公司（FDIC）之影響
- 銀行破產及聯邦資金利率、GDP之關連性
- 成本、比率
未來展望
主要建議
參考資料
圖表
Abstract
This Financial Insights report looks at the history of bank
failures, with particular attention paid to the last decade in
terms of the numbers and makeup of financial institutions and
how the recent failures have changed the landscape. Bankers are
certainly glad the first decade of the new century has
drawn to a close. The period has been marked by
some of the most challenging times seen in our lifetimes.
However, despite all that could have happened, the system appears
to have weathered the storm.
"While the number of institutions
worldwide will continue to shrink," says Marc DeCastro, research manager
at IDC Financial Insights, "it appears that the pace of
failures is slowing and that the worst appears to be
behind us. That said, numerous threats still exist that could
derail the banking system, including interest rate risk, inflation, double-dip
recession, commercial real estate defaults, and more declines within the
real estate market. However, while these threats exist, each by
itself would only have a marginal effect on the overall
banking universe; it would take another perfect storm of conditions
to repeat 2008–2009."
Table of Contents
- Financial Insights Opinion
- In This Report
- Situation Overview
- Looking Back
- Bank Failures Through the Years
- Bank Failures by Numbers
- Impact on FDIC
- Bank Failures, Fed Fund, and GDP — Any Relation?
- The Cost Ratio
- Future Outlook
- Essential Guidance
- Actions for Financial Institutions
- Actions for Vendors
- Learn More
- Related Research
- Synopsis
- Figure: U.S. Bank Failures in the Top 10 Years for Failures, 1934–2009
- Figure: U.S. Bank Failures, 2001–2009
- Figure: U.S. Bank Failures by State, 2009
- Figure: U.S. Bank Failures by Affected State, 2009
- Figure: Number of U.S. Banks by Asset Size, January 2000–September 2009
- Figure: FDIC Insurance Fund Outlay Share, 1Q09–4Q09
- Figure: Cost of Bank Failures to the FDIC Insurance Fund by State, 2009
- Figure: Cost of Bank Failures to the FDIC Insurance Fund by Affected State, 2009 ($M)
- Figure: Number of U.S. Problem Institutions Insured by the FDIC, 2005–2009
- Figure: Reported FDIC Insurance Fund Balance, 2005–2009
- Figure: U.S. Bank Failures, Federal Fund Interest Rate, and GDP Growth, 1955–2009
- Figure: Bank Failure Cost Ratio Median by Asset Size, 2009
- Figure: Bank Failure Cost Ratios, 1Q09–4Q09
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