Global banking is undergoing big changes.

<P> Latest data show that, as of last week, due to reasons of toxic assets, the United States this year, the number of small bank failures over 100. .World authority believes that the advent of European and American SMEs to close down the peak, and lasted until 2012. .</ P> <P> in the reduction of toxic assets, the pattern of the global banking industry is also changing. .</ P> <P> Separate data showed that from 2009 onwards, the Federal Deposit Insurance Corporation (FDIC) almost every week off three banks. .As of last weekend, closed 236 banks. .</ P> <P> Recently, PricewaterhouseCoopers issued a report last year, the European banking sector has expanded rapidly and bad debts. .Among them, the German banking industry's bad loans in the first largest in Europe. .Data show that, as of the end of 2009, the German banking sector's bad debt on the balance sheet book value grew 50% to 213 billion euros. .Moreover, the UK banking sector non-performing loans from the previous year's 107 billion euros to increase to 1,550 million euros; the Spanish banking sector non-performing loans increased from the 75.4 billion euros to 96.8 billion euros; Italian banking non-performing loans increased from 42 billion euros .to 590 million euros. ."The biggest problem is that when we scrutinize the loans they necrosis (toxic assets), the much worse than we thought," Deutsche Bank's global analyst Gordon said, "failure is almost exactly the same, long-term over-concentrated in the United States .real estate business and housing. These bank loans, 80% to 90% of commercial or housing-related loans, of which 30% to 40% may have problems. "</ P> <P> latest Fed .The balance sheet size has reached 2.3 trillion, of which only the "two rooms"-backed securities holdings to more than 1.1 trillion dollars. .According to industry analysts estimate the residual in the banking system on the housing and commercial real estate mortgage loans "toxic assets" scale of about 2000 to 3600 billion U.S. dollars between. .</ P> <P> "toxic assets" has not ruled out the hidden dangers, with housing prices continued to fall, the United States will face the threat of high-quality loans. .Deutsche Bank report on their risk of high-quality loans for the United States has warned. .Deutsche Bank believes that by 2011, accounting for two-thirds of U.S. real estate mortgage loans will be 41% of high-quality appear insolvent. .</ P> <P> professor of Renmin University of China Zhao Xijun said, "the old problem is not solved, new problems are constantly arising in the United States Government does not find a replacement real estate industry to become pillars of the U.S. economy, any want to save .double-dip recession in the U.S. economy does not fall into the idea must come back to resolve real estate issues. real estate is the root cause of these problems. "</ P> <P> recent World Bank officials expected to make an authoritative, with the .the reduction of toxic assets in Europe and America deepens, as well as some of the international community and relevant countries to implement the new requirements will lead to a large number of additional bank capital, bank size may be reduced, may reduce the degree of financial globalization. .</ P> <P> order to avoid the toxic assets continue to breed, close, Obama has announced a major U.S. banking restrictions on the size and business activities of the proposal. .Senior economist of Bank of China Zhang Ying believe that this will result in the banks downsizing. .</ P> <P> reporter learned from the World Bank Beijing Office, the Basel Committee is developing to improve the global banking capital and liquidity requirements for financial regulatory reform bill. .It is understood that for the global financial crisis exposed the loopholes in the supervision, the Basel Committee's reform and development of new regulations introduced a series of new indicators, such as more strict definition of a capital, reflecting the new risk of counterparty risk weights .leverage ratios and liquidity ratios of 30 days, proposed the establishment of counter-cyclical buffer mechanism. ."According to schedule, the new requirements before the end of 2012 at the earliest, but a period of time and exemption arrangements to implement interim measures to ensure a smooth transition to the new banking standards." </ P> <P> Bank Senior Economist .researcher, said Zhang Ying, the Basel Committee on stringent capital requirements than the new expectations, and even been described as "punishment" of the financial system, its implementation will bring to the banking sector major changes in the ecological environment. .</ P> <P> Association of Chinese treasury bonds Tang Lin, senior analyst, said the future more stringent international regulatory requirements of capital caused by "deleveraging" will likely result in the downsizing of banks, financial globalization, the trend continue for minimizing .years. .</ P> <P> senior economist of Bank of China, said Zhang Ying further analysis, more stringent regulatory requirements will result in the banks were forced to retain more capital, improve security, liquid assets held by the ratio of reduced leverage ., which makes the bank's balance sheet size will be significantly reduced, return on equity will be reduced; the role of banks as financial intermediaries may be weakened by banks to reduce savings and investment; capital shortage could cause some banks to adjust their business strategies, reduce the overseas business .scale; the world about 3400 to 3600 billion U.S. dollars of toxic assets currently only about 1.7 trillion write-off, there is still yet to be written off nearly half of non-performing assets, banks will lead to downsizing, globalization reduced. .Bank for International Settlements, a statistics show that the financial crisis of "deleveraging", has total assets of the global banking industry from the late 2007's 37.4 trillion U.S. dollars contracted to the end of 2008 to 35.2 trillion dollars, to the end of June 2009 is .further contraction to 34 trillion; of which overseas assets from the end of 2007 contracted to 33.4 trillion U.S. dollars of $ 31,100,000,000,000 end of 2008 until the end of June 2009 to 30.3 trillion dollars. .</ P> <P> global analysts believe that, because no more money available, the current reduction of toxic assets in Europe and America have been caught in a sticky position. .For future measures in this regard, the international investment guru Rogers recently said in an interview, "the Fed's life is constantly dedicated to printing money, the United States gave him the right to print, he has continued to use this right, if .some aspects of need, he will print more money, in the history of all this. 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