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On Universal Banking Systems
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Book Synopsis Universal Banking by : Anthony Saunders
Download or read book Universal Banking written by Anthony Saunders and published by Irwin Professional Publishing. This book was released on 1996 with total page 808 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Universal Banking: Financial System Design Reconsidered is the product of a conference held under the auspices of the New York University Salomon Center in February 1995. The conference was based upon the work of academic observers of the banking industry in the United States, Europe, and Japan."--BOOK JACKET.
Book Synopsis On Universal Banking Systems by : Robert Bernhard Heinrich Hauswald
Download or read book On Universal Banking Systems written by Robert Bernhard Heinrich Hauswald and published by . This book was released on 1995 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Universal Banking in the United States by : Anthony Saunders
Download or read book Universal Banking in the United States written by Anthony Saunders and published by Oxford University Press. This book was released on 1994-01-06 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 1933 and 1956, the United States sharply limited the kinds of securities activities, commercial activities, and insurance activities banks could engage in. The regulations imposed on banks back then remain in place despite profound changes in the economic environment, in the structure of the national and international financial markets, and in technology. In this span of time many industries, especially those confronting global competition, have transformed themselves dramatically in their efforts to survive and prosper. Not so in the American financial services sector, banks have largely remained stuck in an antiquated regulatory structure which has placed the burden of responding to the needs of market-driven structural change on the shoulders of the regulators and the courts in a constant search for loopholes in the law. The purpose of this book is to evaluate the case for and against eliminating the barriers that have so long existed between banking and other types of financial services in the United States. Universal Banking in the United States studies the consequences of bank regulation in the U.S. as it relates to competition in international financial markets. Anthony Saunders and Ingo Walter examine universal banking systems in other countries, especially Germany, Switzerland, and the U.K., and how they work. They then apply the lessons to U.S. banking, paying particular attention to the benchmarks of stability, equity, efficiency, and competitiveness against which the performance of national financial systems should be measured. In the end, the authors propose the outlines of a level playing field on which any number of forms of organization can grow in the financial services sector, in which universal banking is one of the permitted structures, and where regulation is linked to function.
Book Synopsis The New Way of Continental European Universal Banking by : Johann Sebastian Kann
Download or read book The New Way of Continental European Universal Banking written by Johann Sebastian Kann and published by GRIN Verlag. This book was released on 2004-06-24 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scientific Essay from the year 2003 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1 (A), University of Graz (Banking & Finance), course: 17. Austrian Banking & Finance Working Group in Graz, 2003, language: English, abstract: The goal of this paper is to investigate how the European Banking environment has changed dramatically over the past years. Based on new studies the author will present the Modern Financial Intermediation Theory from Allen and Santomero (2001) and Recent Banking Efficiency Studies from Van Dijcke (2000) and Ali/ Gstaach (2000), in order to be able to derive new conclusions for the Continental European Universal Banking System. The paper presents a possible new structure of the European Banking System, which will show 3 major segments of local, national and international Banks. Finally the author will draw conclusions of such changes on the Monetary policy of the European Union.
Book Synopsis Universal Banking by : Adewale Adegoke Alawiye-Adams
Download or read book Universal Banking written by Adewale Adegoke Alawiye-Adams and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Universal banking is a superstore for financial products under a single roof. Corporate bodies can get loans and avail other handy services, while individuals can deposit and borrow. In Nigeria, a lot of opportunities of Universal banking system are yet to be fully exploited; hence we tried to look at its practise in Nigeria through statistical approach.Universal banking being a world wide banking business phenomenon is continually been subjected to research efforts over the last century everywhere in the world, the more the banking community attempts to constitute universal banking as the scape goat for the world economic depression, inability to achieve optimum financial performance particularly in services delivery, the more research evidence continue to proof that universal banking is the panacea to resuscitate and revamp the business of banking back to recovery, efficiency and windfall profitability. This is especially so from United States to Germany, Switzerland, Britain, and India and across all the established financial markets and financial system throughout the world, the impact of universal banking on the growth and development of the banking industry cannot therefore be underestimated.Also, in this paper, an attempt was made to analyse the arguments for Universal banking especially for efficient services to clients, and also for financial systems stability and profitability, while the comparative practise of Universal banking in some notable countries of the world was also x-rayed.The paper posits that Universal banking is preferable to split banking system in that it provides greater financial systems stability and also offer better solutions for customer services.
Book Synopsis ADVANCED BANKING & FINANCE (Universal Banking) by : Dr. Kishor S. Nikam
Download or read book ADVANCED BANKING & FINANCE (Universal Banking) written by Dr. Kishor S. Nikam and published by Success Publication. This book was released on 2023-08-01 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: Universal Banking in Advanced Banking & Finance refers to financial institutions that offer a broad range of services like commercial banking, investment banking, and asset management under one roof.
Book Synopsis Universal Banking and the Financing of Industrial Development by : Charles W. Calomiris
Download or read book Universal Banking and the Financing of Industrial Development written by Charles W. Calomiris and published by World Bank Publications. This book was released on 1995 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Taming the Megabanks by : Arthur E. Wilmarth Jr
Download or read book Taming the Megabanks written by Arthur E. Wilmarth Jr and published by Oxford University Press, USA. This book was released on 2020 with total page 601 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks were allowed to enter securities markets and become universal banks during two periods in the past century - the 1920s and the late 1990s. Both times the ensuing unsustainable booms led to destructive busts - the Great Depression of the early 1930s and the Global Financial Crisis of2007-09. Both times, universal banks made high-risk loans and packaged them into securities that were sold as safe investments to poorly-informed investors. Both times, governments were forced to arrange costly bailouts.Congress passed the Glass-Steagall Act of 1933 in response to the Great Depression. The Act broke up universal banks and established a decentralized financial system composed of three separate and independent sectors: banking, securities, and insurance. That system was stable and successful for overfour decades until the big-bank lobby persuaded regulators to open loopholes in Glass-Steagall during the 1980s and convinced Congress to repeal it in 1999.In Taming the Megabanks, Arthur Wilmarth, Jr. argues that we must separate banks from securities markets again to avoid another devastating financial crisis and ensure that our financial system serves Main Street business firms and consumers instead of Wall Street bankers and speculators. Wilmarth'scomprehensive and detailed analysis of the roles played by universal banks in the two worst financial catastrophes of the past century demonstrates that a new Glass-Steagall Act would make our financial system much more stable and less likely to produce boom-and-bust cycles. And giant universalbanks would no longer dominate our financial system or receive enormous subsidies.Congress did not adopt a new Glass-Steagall Act after the Global Financial Crisis. Instead, Congress passed the Dodd-Frank Act. Dodd-Frank's highly technical reforms tried to make banks safer but left the dangerous universal banking system in place. Universal banks continue to pose unacceptablerisks to financial stability and economic and social welfare. They exert far too much influence over our political and regulatory systems because of their immense size and their undeniable "too-big-to-fail" status.Taming the Megabanks forcefully makes the case for a a new Glass-Steagall Act to break up universal banks. A more decentralized and competitive system of independent banks and securities firms would not only provide better service to Main Street businesses and ordinary consumers but also bringstability to a volatile financial system.
Book Synopsis Universal Banking in the Twentieth Century by : Alice Teichova
Download or read book Universal Banking in the Twentieth Century written by Alice Teichova and published by Edward Elgar Publishing. This book was released on 1994 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume addresses aspects of banking in 20th-century European market economies. It examines the historical role of banks in using domestic and foreign financial resources, showing how from the 1880s onwards, banks became an integral part of the capital market in continental Europe. The study analyzes the relationship between banks and industry, and the impacts on inflation and the crisis-prone interwar period.
Book Synopsis Financial Regulation by : Dimitri Vittas
Download or read book Financial Regulation written by Dimitri Vittas and published by World Bank Publications. This book was released on 1992 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study discusses ways of evaluating financial regulations and their effect on macroeconomic, allocative, protective, and other financial systems. It is a handy guidebook to regulatory changes faced by banking and nonbanking markets alike.
Book Synopsis Separation of Commercial and Investment Banking by : George J. Benston
Download or read book Separation of Commercial and Investment Banking written by George J. Benston and published by Springer. This book was released on 1990-06-18 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: The latest in a series of studies in banking and international finance. This book deals with all aspects of the Glass-Steagall Act, and the relationship between the commercial banks and the investment banks.
Book Synopsis Universal Banking and Bank Failures Between the Wars by : Daniel Verdier
Download or read book Universal Banking and Bank Failures Between the Wars written by Daniel Verdier and published by . This book was released on 1997 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Universal Banking and the Return of 'Glass-Steagall' by : George Bugeja
Download or read book Universal Banking and the Return of 'Glass-Steagall' written by George Bugeja and published by . This book was released on 2013 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This research considers the different approaches to 'banking' in different legal systems, and the ways in which different jurisdictions have sought to deal with crises from time to time. Different arguments which academics have considered along the years, both in favor as well as against the adoption of 'universal banking' are analyzed.This study argues that different jurisdictions have developed in different manners, and therefore each systems requires a different approach to its banking sector, particularly in light of the different strengths of capital markets in different jurisdictions. Jurisdictions with weak capital markets have historically been better geared to adopt a system based upon 'Universal Banking' (as against those countries having strong capital markets).In recent years, both the United States of America, as well as, the United Kingdom have identified the comingling of 'deposits' with 'securities activities' as having caused systemic risks leading up to the global financial crisis. This research therefore looks into the different banking systems considered whilst seeking to carry out the necessary reforms in these jurisdictions, whilst concluding that an outright separation of retail banking from investment banking should not have been easily discarded.
Book Synopsis Banking Systems Around the Globe by : James R. Barth
Download or read book Banking Systems Around the Globe written by James R. Barth and published by World Bank Publications. This book was released on 2000 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Empirical results highlight the downside of imposing certain regulatory restrictions on commercial bank activities. Regulations that restrict banks' ability to engage in securities activities and to own nonfinancial firms are closely associated with more instability in the banking sector, and keeping commercial banks from engaging in investment banking, insurance, and real estate activities does not appear to produce positive benefits.
Book Synopsis On the Origins of Universal Banking by : Robert B. H. Hauswald
Download or read book On the Origins of Universal Banking written by Robert B. H. Hauswald and published by . This book was released on 1998 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking systems have historically evolved toward their present state in response to particular economic or institutional challenges and through legislative or regulatory intervention. Drawing on the evolution of the German financial system toward universal financial intermediation in the second half of the 19th century, universal banking is shown to result from a particular contracting problem. Here, the interaction of financial contracting, investment in organizational skills, reorganization and liquidation of financial intermediaries may lead to universal banking and industry concentration as an equilibrium outcome. Two different perspectives are presented. First, universal financial intermediation is argued to have resulted from a search for equilibrium that is to be interpreted as quot;learning by banking.quot; Second, politically motivated liquidity constraints and scarcity of managerial skills are shown to imply a concentrated universal banking system as equilibrium outcome. Drawing on these results, the stability of financial systems, the duality between markets for financial claims and managerial skills and some implications for banking reform are discussed.
Book Synopsis International Banking Deregulation by : Richard Dale
Download or read book International Banking Deregulation written by Richard Dale and published by John Wiley & Sons. This book was released on 1992 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considers the new global banking and financial systems which have become the subject of an unprecedented experiment involving new and unquantifiable risks. Based on up to the minute research, Dale offers a warning about structural faults at the heart of banking systems worldwide.
Book Synopsis The Origins of National Financial Systems by : Douglas J. Forsyth
Download or read book The Origins of National Financial Systems written by Douglas J. Forsyth and published by Routledge. This book was released on 2003-08-29 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book poses a systematic challenge to Gerschenkron's 1950s thesis on universal banks. With contributions from leading scholars including Ranald Michie and Jaime Reis, it provides solid and intriguing arguments throughout.
