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Author : Henry Zorn
Publisher :
ISBN 13 :
Total Pages : 184 pages
Book Rating : 4.:/5 (19 download)
Download or read book A Study of Restructuring and Deregulation in the Savings and Loan Industry written by Henry Zorn and published by . This book was released on 1983 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights
Publisher :
ISBN 13 :
Total Pages : 1084 pages
Book Rating : 4.F/5 ( download)
Download or read book Impact of Restructuring of the S&L Industry written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights and published by . This book was released on 1991 with total page 1084 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights
Publisher :
ISBN 13 :
Total Pages : 266 pages
Book Rating : 4.0/5 (13 download)
Download or read book Impact of Restructuring of the S & L Industry written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights and published by . This book was released on 1991 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights
Publisher :
ISBN 13 : 9780160357848
Total Pages : pages
Book Rating : 4.3/5 (578 download)
Download or read book Impact of Restructuring of the S&L Industry written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights and published by . This book was released on 1991 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : George G. Kaufman
Publisher : Springer Science & Business Media
ISBN 13 : 9400921977
Total Pages : 185 pages
Book Rating : 4.4/5 (9 download)
Download or read book Restructuring the American Financial System written by George G. Kaufman and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt: In light of the periodic malfunctions in important sectors of the finan cial services industry in recent years, such as commercial banking, thrift institutions, and the securities market, numerous proposals have been developed for restructuring the financial system to improve both its safety and efficiency. Among the groups analyzing the performance of the financial system and recommending changes where necessary, has been the Shadow Financial Regulatory Committee. This Committee, which is described in greater detail in Chapter 1, consists of 12 independent banking experts from the academic and practitioner worlds that meet quarterly to analyze current developments in the financial services indus try and to make recommendations for improvements that would be in the public interest. The purpose of the Committee, its members, and a listing of policy statements are included in the Appendix. All but one of the chapters in this volume represent essays by indi vidual members of the Committee on issues discussed by the Committee at recent meetings and that, for the most part, resulted in policy state ments. They basically discuss the reasons for the policy statement adopted and place the issue in perspective. Where appropriate, the rele vant section of the respective policy statement is presented at the begin ning of each chapter. Each essay, however, reflects only the views of the individual author and not necessarily those of other members of the Committee or of the Committee as a whole.
Author : James R. Barth
Publisher : Springer Science & Business Media
ISBN 13 : 1402078986
Total Pages : 412 pages
Book Rating : 4.4/5 (2 download)
Download or read book The Savings and Loan Crisis written by James R. Barth and published by Springer Science & Business Media. This book was released on 2006-04-11 with total page 412 pages. Available in PDF, EPUB and Kindle. Book excerpt: Robert L. Bartley Editor Emeritus, The Wall Street Journal As this collection of essays is published, markets, regulators and society generally are sorting through the wreckage of the collapse in tech stocks at the turn of the millennium. All the more reason for an exhaustive look at our last “bubble,” if that is what we choose to call them. We haven’t had time to digest the lesson of the tech stocks and the recession that started in March 2001. After a decade, though, we’re ready to understand the savings and loan “bubble” that popped in 1989, preceding the recession that started in July 1990. For more than a half-century, we can now see clearly enough, the savings and loans were an accident waiting to happen. The best insurance for financial institutions is diversification, but the savings and loans were concentrated solely in residential financing. What’s more, they were in the business of borrowing short and lending long, accepting deposits that could be withdrawn quickly and making 20-year loans. They were further protected by Regulation Q, allowing them to pay a bit more for savings deposits than commercial banks were allowed to. In normal times, they could ride the yield curve, booking profits because long-term interest rates are generally higher than short-term ones. This world was recorded in Jimmy Stewart’s 1946 film, It’s a Wonderful Life.
Author : United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights
Publisher :
ISBN 13 :
Total Pages : 238 pages
Book Rating : 4.:/5 (19 download)
Download or read book Impact of Restructuring of the Savings and Loan Industry written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Antitrust, Monopolies, and Business Rights and published by . This book was released on 1991 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : William S. Haraf
Publisher : AEI Studies
ISBN 13 :
Total Pages : 536 pages
Book Rating : 4.3/5 (91 download)
Download or read book Restructuring Banking & Financial Services in America written by William S. Haraf and published by AEI Studies. This book was released on 1988 with total page 536 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher : Greenwood
ISBN 13 :
Total Pages : 192 pages
Book Rating : 4.F/5 ( download)
Download or read book The Savings and Loan Crisis written by and published by Greenwood. This book was released on 1993-06-21 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: This annotated bibliography includes more than 360 titles on the savings and loan crisis and, by extension, savings and loan viability or profitability. The volume covers works published from 1980 to 1992, including both scholarly and popular titles. Most of the titles included are books or research papers. Dissertations are included only when the author or title are of particular note. The book includes both author and subject indexes.
Author : Lawrence J. White
Publisher : Oxford University Press, USA
ISBN 13 : 9780195074840
Total Pages : 287 pages
Book Rating : 4.0/5 (748 download)
Download or read book The S & L Debacle written by Lawrence J. White and published by Oxford University Press, USA. This book was released on 1992 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans have viewed the S&L crisis as the ultimate example of greed's pervasiveness in our society. Yet the personalities that have dominated the news have obscured the real issues behind the worst debacle in our nation's financial history. Surveying the modern course of the thrift industry, from the Federal Home Loan Bank Act of 1932 to the current efforts at restructuring, Lawrence J. White addresses the essential questions of the S&L crisis: what happened, how it happened, why it happened, and what must be done so that it never happens again. White, who from November 1986 to August 1989 was a Board Member of the Federal Home Loan Bank Board--the government agency that regulated S&Ls and insured their deposits through the FSLIC--combines his knowledge as an insider with the insights of an economist to bring a much-needed fresh perspective on the S&L mess. He shows that, rather than the result of widespread fraud, the crisis was rooted in the highly unusual economic conditions of the early 1980s, poorly thought-out deregulatory policies, and flawed accounting practices. The S&L Debacle reveals that the banking system of the late 1970s was anachronistic. Tightly regulated thrifts were locked into portfolios of long-term mortgages and limited in the interest rates that they could pay to depositors. When interest rates soared, the thrifts experienced heavy losses. Clearly, adjustment in the industry was necessary, and the economic deregulatory policies implemented in the early 1980s were long overdue. But White points out that these policies should have been accompanied by strengthened safety-and-soundness regulations. Instead, safety-and-soundness rules were also deregulated, bringing a deadly combination of opportunities, capabilities, and incentives for risk-taking that spelled disaster for hundreds of thrifts--and ultimately for the FSLIC insurance fund and the U.S. taxpayer. White offers far-reaching recommendations for reform, such as better methods of gathering information about thrifts before they become insolvent, risk-related net worth requirements, risk-based insurance premiums--so that deposit insurance is treated more like other forms of insurance--and stronger powers of early intervention by regulators. With its comprehensive overview, incisive analysis, and clear, nontechnical language, this book is important reading for anyone hoping to understand the S&L crisis and will be an essential guide for economists and policymakers of the future.
Author : Kitty Calavita
Publisher : Univ of California Press
ISBN 13 : 0520219473
Total Pages : 284 pages
Book Rating : 4.5/5 (22 download)
Download or read book Big Money Crime written by Kitty Calavita and published by Univ of California Press. This book was released on 1999-05-25 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: An in-depth scrutiny into the American savings and loan financial crisis in the 1980s. The authors come to conclusions about the deliberate nature of this financial fraud and the leniency of the criminal justice system on these 'Gucci-clad white-collar criminals'.
Author : Anat Bird
Publisher : Irwin Professional Publishing
ISBN 13 :
Total Pages : 248 pages
Book Rating : 4.3/5 (97 download)
Download or read book Can S&Ls Survive? written by Anat Bird and published by Irwin Professional Publishing. This book was released on 1993 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book answers its own question with a resounding yes by providing a blueprint for the repositioning of the S&L industry to thrive in a seemingly hostile marketplace. Includes extensive interviews with hundreds of industry executives and empirical research on every American S&L. Subjects covered include: The Real Estate Focus: Is the Thrift's Role Obsolete?, Asset Securitization: Changing the Fundamentals of the Lending Business; and Identifying Your Strategic Niche: The Use of Strategic Planning.
Author : Martin Neil Baily
Publisher : Brookings Institution Press
ISBN 13 : 0815725256
Total Pages : 191 pages
Book Rating : 4.8/5 (157 download)
Download or read book Financial Restructuring to Sustain Recovery written by Martin Neil Baily and published by Brookings Institution Press. This book was released on 2013-12-11 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Nomura Institute of Capital Markets Research publication The financial crisis of 2007–08 and the Great Recession caused more widespread economic trauma than any event since the Great Depression. With a slow and uneven recovery, encouraging stability and growth is critical. Financial Restructuring to Sustain Recovery maintains that while each part of the financial services industry can play a useful role in revving up the U.S. economic engine to full capacity, the necessary reforms are sometimes subtle and often difficult to implement. Editors Martin Neil Baily, Richard Herring, and Yuta Seki and their coauthors break recovery down by three areas: Restructuring the housing finance market Reforming the bankruptcy process Reenergizing the market for initial public offerings Included are lessons drawn from Japan's experience in overcoming its long-lasting financial crisis after the collapse of its real estate market in the 1990s. Contributors: Franklin Allen (Wharton School, University of Pennsylvania), James R. Barth (Auburn University College of Business; Milken Institute), Thomas Jackson (Simon School of Business, University of Rochester), Jay R. Ritter (Warrington College of Business, University of Florida), David Skeel (University of Pennsylvania Law School), and Glenn Yago (Milken Institute).
Author : Brookings Task Force on Depository Institutions Reform
Publisher : Brookings Institution Press
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.:/5 (43 download)
Download or read book Blueprint for Restructuring America's Financial Institutions written by Brookings Task Force on Depository Institutions Reform and published by Brookings Institution Press. This book was released on 1989 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: The weaknesses of the nation's federal deposit insurance programs have become glaringly apparent now that policymakers are prepared to spend billions of dollars to clean up insolvencies in the savings and loan industry. In this book, a task force of banking experts looks beyond the resolution of the current problems to the fundamental challenge of ensuring that another crisis never occurs.
Author : Norman Strunk
Publisher :
ISBN 13 :
Total Pages : 232 pages
Book Rating : 4.3/5 (512 download)
Download or read book Where Deregulation Went Wrong written by Norman Strunk and published by . This book was released on 1988 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book tells a sad story about the many forces that brought hard times to the savings and loan business. What emerges all too clearly is that when the business was "deregulated," the Congress, the administration and the government agencies assigned to supervise and examine these institutions badly misjudged what was happening. In general, the book demonstrates that the savings and loan failures of the 1980s are part of the legacy of deregulation"--Page xi.
Author : Richard J. Cebula
Publisher :
ISBN 13 :
Total Pages : 132 pages
Book Rating : 4.3/5 ( download)
Download or read book The Savings and Loan Crisis written by Richard J. Cebula and published by . This book was released on 1992 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : James R. Barth
Publisher : Special Analysis
ISBN 13 :
Total Pages : 188 pages
Book Rating : 4.:/5 (319 download)
Download or read book The Great Savings and Loan Debacle written by James R. Barth and published by Special Analysis. This book was released on 1991 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this volume, the author argues that federal deposit insurance itself is largely to blame for the savings and loans disaster of the 1980s.
