欧洲零售式银行业务的未来：来自精英的看法

　　Within Europe， the banking sector is commencing a period of considerable change and consolidation. Advances in technology， competition from the non-banking sector， the introduction of the Euro， a European Central bank and， possibly， pan-European　Regulation， combined with the challenge from US banks， increased mergers and changing practices means 21st century banking is changing immeasurably. The Future of Retail Banking in Europe is written in an accessible style by Oonagh McDonald and　Kevin Keasey， two of the leading authorities in the field and includes：　In-depth analysis of the banking structures in all the major European markets.　Foreword by Guy Warren， Head of Banking， Europe， Unisys Corporation　Unique insights into the industry from the CEOs of major European banks.　The challenges being faced in the industry and predictions into what the future holds for retail banking in Europe.　This book will be essential reading for middle and senior managers in the banking and financial service sectors， both suppliers and investors in the banking sector， and MBA students.

暂缺《欧洲零售式银行业务的未来：来自精英的看法》作者简介

Foreword by Guy Warren
Preface
Acknowledgements
1 Setting the scene
Banks，money and the payments system
Banks as intermediaries
The role offl bank
The threat from non—banks and near-banks
Are credit cards a threat to banks?
E—banking：competition from non．banks and near-banks
Conclusions
2 The challenges
The squeeze on bank interest income
Developments in capital markets
Decline in corporate bank lending
The euro and the customer
Some conclusions
3 Transparency and accountability
New accounting standards
Developments in corporate governance
4 France：seven slices of the cake
The banking system
Government—sponsored savings
Banking strategies
Conclusion
5 Germany: a level playing field
The cooperative banks
The Sparkassen
The mortgage banks
The EC judgements
The impact of the EC
The impact of tax reforms
Retail banking strategy
6 Italy: fast-track banking
Developments in the 1990s
Banking strategies
Spain: off to a flying start
Early deregulation
Two main categories of bank
Banking strategies
Scandinavia: a silver lining
The banking crisis
Banking strategies
Netherlands: an early consolidator
The major banks
Room for manoeuvre
Banking strategies
10 UK: another early consolidator
The banking system
Mergers and acquisitions
The current state of banking
Banking strategies
Appendix: the demutualisation of UK building societies
11 Looking to the future
The technology process and innovation
Banking customers and the dynamics of change
Technological developments
Implementation issues
Conclusions
12 Who will jump first?