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American Banking Industry - Research Paper Example

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This paper primarily aims at investigating the American banking industry.It aims at exploring the banking industry's history, a role it serves to America, issues confronting it. It plans to evaluate the said industry in relation to Saint Leo University core values…
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American Banking Industry
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Download file to see previous pages As a point of fact, banks are often and highly criticized due to being so driven towards profit maximization. Given this, banks often neglect its responsibility to the people as well as the environment. That is to say, banks may be directly or indirectly participating in harming the human beings and nature.  Review of Related Literatures This section aims at presenting an overview of the kinds of literature related to the topic of American banking industry. ... The expediency of this section is to help grasp an outlook on how to understand the topic under study. In this regard, this review of related kinds of literature is divided and categorized into the following segments which are: a) History of Banking Industry in America, b) The Role of the Banking Industry in the Social, Economic, and Political Setting of America, c) The Domestic and International Ethics, d) Ecological and Natural Resources, e) The Social Issues Faced by American Banking Industry, and f) The Corporate Stakeholders Response to the Issues Confronting the American Banking Industry. a) History of Banking Industry in America According to Goyal and Joshi (2011), 2000 BC marks the earliest record of banking activity. During this era, the merchants lent money to the traders as well as farmers in Assyria and Babylonia. In this regard, it can be said that in the entire world, the industry of banking is among the oldest (Goyal & Joshi, 2011). In the United States of America, the earliest record of modern commercial banking industry had started in the year 1782 in Philadelphia (Mishkin & Serletis, 2010). According to Mishkin and Serletis (2010), the Bank of North America had been a success which triggered other banks to operate in America. On the one hand, 1791 marked the charter of Bank of the United States. This bank had functioned as a private bank and at the same time, a central bank that had an obligation to the economy of the whole society. However, its charter expired in 1811 which had lead to the establishment of another bank in 1816. Such charter of the Second Bank of the United States came to end in 1836 as Andrew Jackson rejected its rechartering. ...Download file to see next pagesRead More
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