英语阅读材料英国银行体系.docx

英语阅读材料英国银行体系 ———————————————————————————————— 作者 : ———————————————————————————————— 日期： Thｅ Bankiｎg Systeｍ in tｈe UnitedＫｉ ngdom英国的银行体系 Iｎ tｈe Ｕnｉｔｅｄ Ｋ iｎgdｏ m, finanｃiaｌ insｔ itｕ tｉons ｒa e ｃatｅgorized in ｔｏ two ma]ｏr groups: theｃReognized Banks and theLicｅnsed ｅDposit Ｉnｓtituｔion ｓ . The criteriaｒfo eaｃ h ｃａ tegｏｒ y aｒｅ dｅtermined ｂy ｔhｅ Bank of Enｇ lanｄ～ ——tｈe Ｃeｎｔ ral Baｎｋ . Ｔ he Ｂ anｋ oｆ Englａnd ｗｉ ll consiｄ er ｔｈｅ ｓize of the inｓ titutｉ on, itｓ maｎagemｅnｔ and alsoｅth nｕ mber ｏf pａ rtｉcipants who efｆｅｃ tiｖely ｄirｅct ｈtｅ business, beforｅdecｉ sionｓ are maｄ e on the statｕs of tｈe ｆinaｎｃｉａ l institｕ tiｏns who ｐaｐ ly for bankｃli eｎseｓ in the Unｉted Kingdom． et us look aｔ the Reｃognized Baｎkｓ. Ｔ hese bａｎ kｓ ｐrovｉde ａ ｗ idｅ ranｇ e oｆ higｈ lｙ sｐｅ ciaｌized ba king serｖiceｓ， accordinｇ to ｔｈｅ Bａｎｋｉ ng Acｔ １ 979． Rｅcognized Banks must satｉ sfy thｅ Banｋ oｆ Englaｎd of ｈtｅｉ r higｈ repｕtation anｄ o ｆ their inteｇriｔｙ , maｎａｇ ement anｄ finanｃiａl pruｄｅ ncｅ. The ｗiｄｅ rangｅ ｏf seｒvｉces inｃlｕ de: ｉ. tｈe ａｃ ceptancｅ ｏf sight andｔｉ mｅ deposits); ii． ｌoaｎ and overｄraft ｆ aｃilｉtieｓ ; ｉｉ i． foreiｇ n curreｎcy exchange andｏcd ｕ mentａry credｉtｓ anｄ collｅctions~； iｖ. fiｎａ ncｉal ａdvice for cｏrporａti ｏｎ s andｎiｄ ividuals; v． inveｓｔ ment mａnaｇ ement ａ nd aｒｒ anｇ emｅｎ ts for the ｐ urcｈaｓｅ anｄ sale ｆo sｅｃｕ rｉties. s fｏr Liｃenｓed Ｄｅ posｉts ｉnｓtｉtuｔｉｏｎ s, ｔhｅy ｏｎｌ y provｉ ｄ e a ｌｉ mｉted ａrnge of serviceｓ . Ｔhｅ prime sｅrvｉcｅｓ ａre still ｂ a ｓ ed oｎ tｈe ａcceｐ tance ｆo ｄepositｓ ｆｒｏｍ ｔhｅ public altｈｏ ugh th ｅ y are ｎ ot requiｒed ｔo satiｓfy thｅ rulesａlid ｄown forＲecogｎ iｚed Banks． Ｔ o obtaiｎ a licenｓｅ , tｈe insｔｉｔ ution muｓｔ ｓatｉsfｙ tｈe B ａ nk ｏ f Ｅnglanｄ＇s requiremｅｎ t thaｔ ａll direcｔors, cｏntｒollｅrs oｒ maｎ agｅ rs of ｔｈ e inｓ tituｔｉｏ n ｍ uｓt bｅ an appropriaｔe andｐrｏper peｒ son to ho ｌｄ that ｐ ositioｎ anｄ to cｏ nｄｕ ce banking busiｎess in a proｐｅ r mａｎ ner． Lｅｔ us nowｌook at tｈ e majｏr ｔｙ pes of finaｎ cｉal inｔ erｍediaries～ in the Uniｔ ed Kingdoｍ . To ｂｅ gin ｗｉ tｈ， wｅ shalｌ examｉnｅ th