美国当代银行业发展的两大趋势

Two trends in the development of American contemporary bank industry

美国银行业在很长的时期内以结构松散而著称。然而,随着经济的发展,特别是信息时代的到来,美国银行业的分行制和持股公司发展迅速,正在极大地改变着美国银行业的结构特征,单一银行的数目在极大地减少,而大银行的数目在增加。但由于传统的和政治体制的原因,在相当长的时期内,美国银行业仍将保持其独有的特点。

The structure of American bank industry has been loose for a long time.With the development of American economy ,es-pecially the coming of the information epoch,the number of branch and bank holding company is increasing.Great changes have taken place in the structure of American bank industry.Owing to the tradition and political system,the characteristics of American bank industry will be constant in the future.