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1、CHAPTER 4CREATING AND MANAGING SERVICE OUTLETS:NEW CHARTERS, BRANCHES, AND ELECTRONIC FACILITIESGoal of This Chapter: The purpose of this chapter is to learn how new banks are chartered by state and federal authorities in the United States, to determine what makes a good site for a new branch office
2、, to recognize how the role of branch offices is changing, and to explore the advantages and disadvantages of automated banking facilities. Key Topics in This Chapter Chartering New Financial Service Institutions Performance of New Banks Establishing Full Service Branches In-Store Branching Establis
3、hing Limited Service Facilities ATMs and Telephone Centers The Internet and Online BankingChapter OutlineI.IntroductionA.The Importance of Convenience and Timely Access to CustomersB.Service Options Available Today1.Chartering New (De Novo) Financial Institutions2.Establishing New Full-Service Branc
4、hes3.Setting Up Limited-Service FacilitiesII. Chartering a New Bank or Other Financial Service InstitutionsIII. The Bank Chartering Process in the United StatesA.The Chartering Authorities in the U.S.B.Benefits of Applying for a National CharterC.Benefits of Applying for a State CharterIV.Questions
5、Regulators Usually Ask the Organizers of a New BankV.Factors Weighing on the Decision to Seek a New Bank CharterA.External Factors1.Level of Economic Activity2.Growth of Local Economic Activity3.The Need for a New Bank4.Strength and Character of Local Competition in Supplying Financial ServicesB.Int
6、ernal Factors1.Qualifications and Contacts of the Organizers2.Management Quality3.Pledging of Capital and Funds to Cover the Cost of Filing a Charter Application and Getting UnderwayVI.Volume and Characteristics of New Bank ChartersA.Numbers of New Charters B.Characteristics of New Charter MarketsVI
7、I.How Well Do New Banks Perform?A.New Bank Financial PerformanceB.Pro-Competitive Effects on Service Offerings and Service PricingVIII.Establishing Full-Service Branch Offices: Choosing Locations and Designing New BranchesA.Advantages of Full-Service BranchesB.Trends in the Design of New BranchesC.D
8、esirable Sites for New BranchesD.Expected Rate of ReturnE.Geographic DiversificationF.Branch RegulationG.The Changing Role of BranchesH.In-Store BranchingIX.Establishing and Monitoring Automated Limited-Service FacilitiesX.Point-of-Sale TerminalsXI.Automated Tellers (ATMs)A.History of ATMsB.ATM Serv
9、icesC.Fee Structures for ATM UsageD.Customer Service Limitations of ATMsE.Example of the ATM Capital-Budgeting DecisionXII.Home and Office Online BankingA.Telephone Banking and Call Centers B.Internet Banking1.Services Provided Through the Internet2.Challenges in Providing Internet Services3.The Net
10、 and Customer Privacy and SecurityXIII.Financial Service Facilities of the FutureXIV.Summary of the ChapterConcept Checks4-1.Why is the physical presence of a bank still important to many bank customers despite recent advances in long-distance communications technology?Many customers still prefer th
11、e personal attention and personal service that contact with bank employees provides. Moreover, for those services where problems can arise that require detailed information and explanation-for example, when a checking account is overdrawn and checks begin to bounce-the customer needs quick access an
12、d, often, the personal attention to his or her problem on the part of one or more employees.4-2. Why is the creation (chartering) of new banks closely regulated? What about nonblank financial firms?The creation of new banks is regulated to insure the safety and soundness of existing banks and to avo
13、id excessive numbers of bank failures. The same arguments are usually made for non-bank financial firms. Financial-Service firms hold the publics savings, are the heart of the payment system and create money. The failure of these firms could disrupt the economy and too many could mean in excessive g
14、rowth in the money supply and inflation.4-3.What do you see as the principal benefits and costs of government regulation of the number of financial service charters issued?While control over the entry of new banks may reduce the number of failures, it also limits competition, so that the public may
15、receive a smaller volume or lower quality of services at excessive prices.4-4.Who charters new banks in the United States? New thrift institutions?New banks are chartered by the banking commissions of the individual states or, at the federal level, by the Comptroller of the Currency. Thrift institutions are chartered by the states or at the federal level by the Office of Thrift Supervision.4-5.What key role does the FDIC play in the chartering process?The FDIC exercises some control over state bank charter activity as well as
