[20150514]IN10276_小型银行如何受到金融改革的影响？.pdf

CRS InsightsHow Have Small Banks Been Affected by Financial Reform?Sean M. Hoskins, Analyst in Financial Economics (shoskinscrs.loc.gov, 7-8958)Marc Labonte, Specialist in Macroeconomic Policy (mlabontecrs.loc.gov, 7-0640)May 14, 2015 (IN10276)Congress is considering providing regulatory relief for small banks. Proponents argue that regulatory relief is needed, in part, because of the increase in regulatory burden resulting from new rules introduced in response to the financial crisis. But how have small banks been affected by recent rules? A comprehensive evaluation is hindered by both the sheer number of new rules and the fact that the effects of rules cannot easily be compared or aggregated, because some rules have large effects on banks and others have small effects. This Insight summarizes a CRS analysis of major rules issued since 2010 by banking regulators pursuant to the Dodd-Frank Act (P.L. 111-203) or Basel III. Of the 14 major rules in Table 1, 13 either contain exemptions or are tailored (e.g., simplified compliance requirements) for small banks. Some rules base exemptions and tailoring on asset size, whereas others are based on activity volume; a consistent size thresh