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Economics focus : Rate of decline

机译:经济学重点:下降率

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In America retail banking is still a local business. Around 95% of the country's deposit-takers are "community" banks, estimates those institutions' trade body; and more than 90% have assets of less than $1 billion, according to the Federal Deposit Insurance Corporation (fdic), a regulator. Even Bank of America, which comes closest to having a national network, has branches in only 29 of the 50 states. Nevertheless, banking is much less local than it used to be. Advances in technology have made it far easier to offer banking services regionally or nationally. And deregulation has swept away restrictions that once prevented banks from extending their branch networks across state boundaries (even, in some states, within them). Thanks mainly to a wave of mergers, but also to a spate of bank failures in the late 1980s and early 1990s, the number of banks in America has fallen by half in the past 20 years.
机译:在美国,零售银行业务仍然是本地业务。据这些机构的贸易机构估计,该国大约95%的存款接受者是“社区”银行。根据监管机构联邦存款保险公司(fdic)的数据,超过90%的资产不到10亿美元。甚至最接近拥有全国性网络的美国银行,在50个州中只有29个设有分支机构。然而,银行业比过去少了很多。技术的进步使得在区域或全国范围内提供银行服务变得更加容易。放松管制已经扫除了限制,这些限制曾经使银行无法跨州边界(甚至在某些州内部)扩展其分支机构网络。主要由于一波兼并浪潮,也归功于1980年代末和1990年代初的一系列银行倒闭,在过去20年中,美国的银行数量已减少了一半。

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