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Puna verzija: USA banking system
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INTODUCTION

With nearly 90,000 branches and 371,000 automated teller machines (ATMs), US banking system is the largest in the world. As of September 30th 2004, US banks had US$9.88 turn in assets and US$5.98 turn in total loans. US banking is more diverse than in most Western countries. Despite ongoing consolidation, vigorous competition exists within the vast banking community, which includes financial holding companies that operate nationwide, dominant regional banks and smaller independents.

The USA banking system, as with many services, differs from state to state. Each state has its own commercial and consumer guidelines. It is important for property buyers to understand the local system and have a cheque account in order to establish a credit rating and pay utility bills. In recent years, mortgage companies have sprung up throughout the USA and, as they do not have the overheads of the banking institutions, they can sometimes offer more favorable terms, having taken a large share of the market from the more traditional banks.

According to Sandrine Rastello's report from White House,
Washington, in July 2010, The U.S. financial system remains fragile and banks subjected to additional economic stress might need as much as $76 billion in capital, according to the results of International Monetary Fund stress tests. The findings, released in July as part of a broader IMF report on the U.S. financial system, suggested that while the nation’s banking system is stable, it remains vulnerable. Home prices, commercial real estate loans and economic growth have the potential to cause shocks that could expose banks to more losses. Under one scenario, small and regional banks as well as subsidiaries of foreign banks would need $40.5 billion in additional capital to meet a benchmark capital ratio of 6 percent Tier 1 common equity from 2010 to 2014. Under the adverse scenario, those needs rise to $76.3 billion, according to the report....

CONTENTS:

1 INTODUCTION 3
2 EARLY HISTORY OF U.S. BANKING SYSTEM 4
2.1 Free banking era 4
2.2 Dual banking system 5
3 FEDERAL RESERVE SYSTEM 5
3.1 History of Federal reserve system (central banking) 6
3.2 Purpose of Federal reserve system 9
3.3 Structure of Federal reserve system 11
3.4 Central Bank 14
4 CONCLUSION 15
5 References 15

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