Perspectives on Safe & Sound Banking
Author | : George J. Benston |
Publisher | : |
Total Pages | : 358 |
Release | : 1986 |
Genre | : |
ISBN | : |
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Author | : George J. Benston |
Publisher | : |
Total Pages | : 358 |
Release | : 1986 |
Genre | : |
ISBN | : |
Author | : George G. Kaufman |
Publisher | : Mit Press |
Total Pages | : 380 |
Release | : 1986-04 |
Genre | : Business & Economics |
ISBN | : 9780262518871 |
Banking is now, and always has been, a risky business. The key to success both in operating a bank and in supervising a banking system is appropriate risk management. Yet risk management has become increasingly difficult because of higher and more volatile interest rates, faster and cheaper transfer of funds and information, a movement toward deregulation, and subsidies for many institutions embedded in the flat-rate premium structure of the federal deposit insurance system.In this book five leading bank scholars explore the safety and soundness of the U.S. banking system in an economic environment where the likelihood of failures of individual banks has significantly increased.The book's ten chapters cover: the risks of the failure of individual banks and of the banking system; consequences of bank failure on other banks, financial markets, and economic activity; the role of government deposit insurance; alternative ways of resolving insolvencies; the role of lender of last resort; risk and organizational issues in the expansion of banking activities; market discipline as a means of limiting banking problems and failures; feasibility and desirability of permitting or requiring market-value reporting for financial institutions; risk rated premiums; the effectiveness of supervision and field and remote examinations; the effectiveness of centralization or decentralization of regulation, supervision, and examination in multiple federal and state agencies.George J. Benston is at the University of Rochester, Robert A. Eisenbeis at the University of North Carolina, Paul M. Horvitz at the University of Houston, Edward J. Kane at Ohio State University, and George G. Kaufman at Loyola University.Perspectives on Safe and Sound Banking is copublished with the American Bankers Association and is included in the Regulation of Economic Activity Series, edited by Richard Schmalensee.
Author | : |
Publisher | : DIANE Publishing |
Total Pages | : 152 |
Release | : |
Genre | : |
ISBN | : 9781422314739 |
Author | : Frederick T. Furlong |
Publisher | : |
Total Pages | : 39 |
Release | : 2008 |
Genre | : |
ISBN | : |
In 1986, a task force of banking academics organized and sponsored by the American Bankers Association convened to examine the banking industry and the efficacy of its regulatory system. The group was charged with reviewing the problems of ensuring the safety and soundness of the banking system and evaluating a number of policy options to improve the efficiency, performance, and safety of the system by changing the structure of the deposit insurance system and the bank regulatory and supervisory process. The results of the work of the task force were published by the MIT Press as the book, Perspectives on Safe and Sound Banking (Benston et al., 1986, the Report), which includes a set of principal options and recommendations. The purpose of this article is to assess the extent to which changes in public policy regarding depository institutions have been aligned with the recommendations of the Report. We find that, over the past 20 years, several legislative initiatives and changes in regulations and the bank supervisory process have been in keeping with the specific recommendations of the Report or with the analytic framework underlying the recommendations. At the same time, other recommendations in the Report have not been taken up and some proposals rejected in the Report have been put in place by legislative and regulatory initiatives. Overall, public policy and private sector initiatives appear to have contributed to safer and sounder banking and thrift sectors over the past 20 years. Consistent with what we see as the main theme of the Report, a likely contributing factor is the more appropriate alignment of incentive for risk-taking among larger depository institutions. Developments affecting risk-taking by depository institutions likely include higher capitalizations, greater risk exposure of private sector stakeholders more generally, improvements in risk management, and supervision and regulation that is focused on overall risk.
Author | : Simon H. Kwan |
Publisher | : |
Total Pages | : |
Release | : 2006 |
Genre | : |
ISBN | : |
Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
Publisher | : |
Total Pages | : 104 |
Release | : 2001 |
Genre | : Business & Economics |
ISBN | : |
Author | : George Edward Durell Foundation |
Publisher | : Univ Publ Assn |
Total Pages | : 391 |
Release | : 1995-03-21 |
Genre | : Business & Economics |
ISBN | : 1461723728 |
Today, interest in monetary history has been revived. Economists are examing the "structure" of money and banking: what is money and what are banks? With new technologies, overwhelming market forces, and changes in law and regulation, the answers that had been taken for granted have been revealed to be inadequate. Money and Banking spans the period from the founding of the country to the present. The unifying theme is the consideration of the legal and economic underpinnings of money and banking during the several monetary regimes found in the history of the United States. Contributors: Clifford F. Thies, Kevin Dowd, Richard H. Timberlake, J. Huston McCulloch, Gregory B. Christainsen, Jeffrey Rogers Hummel, Eugene N. White, James A. Dorn, Gary M. Pecquet, Tyler Cowen, George A. Selgin and Lawrence H. White, Richard Sylla, Robert L. Greenfield and Hugh Rockoff, Joesph T. Salerno, Anna J. Schwartz, Charles W. Calomiris, Ronald W. Batchelder and David Glasner, Michael D. Bordo, Mark Toma, Larry Schweikart, Dwight R. Lee.
Author | : |
Publisher | : |
Total Pages | : 138 |
Release | : 2007 |
Genre | : |
ISBN | : |
Author | : |
Publisher | : |
Total Pages | : 104 |
Release | : 1990 |
Genre | : Deposit insurance |
ISBN | : |
Author | : Lewis William Seidman |
Publisher | : |
Total Pages | : 10 |
Release | : 1987 |
Genre | : |
ISBN | : |