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Reforming Fdic Insurance With Fdic Sponsored Deposit Self Insurance
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Book Synopsis Reforming FDIC Insurance with FDIC-Sponsored Deposit Self-Insurance by : Panos Konstas
Download or read book Reforming FDIC Insurance with FDIC-Sponsored Deposit Self-Insurance written by Panos Konstas and published by DIANE Publishing. This book was released on 2011-04 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offers a plan to replace some insured deposits with uninsured deposits (UD). The FDIC would guarantee loan contracts if the loan takers deposited the proceeds exclusively in UD and backed those deposits with equity. This equity would ensure that the loan takers could share the likely costs if any of their depositories failed. The loans made under FDIC guarantee would only require interest at the risk-free rate. Thus the loan takers could offer the proceeds at lower rates than the rates paid on current deposits. Therefore, funding by banks would shift to the new deposits, and since the new ¿self-insured¿ depositors would have equity at stake, they would have to monitor their banks and impose rate premiums based on each bank's risk. A print on demand report.
Book Synopsis Reforming Fdic Insurance with Fdic-Sponsored Deposit Self-Insurance by : Panos Konstas
Download or read book Reforming Fdic Insurance with Fdic-Sponsored Deposit Self-Insurance written by Panos Konstas and published by . This book was released on 2005 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insured depositors have no reason to care how their banks perform or how safe they are. Only uninsured depositors have that incentive. This paper offers a plan to replace some insured deposits with uninsured deposits. The plan: the FDIC would guarantee loan contracts if the loan takers deposited the proceeds exclusively in uninsured deposits and backed those deposits with equity. This would ensure that the loan takers could share the likely costs if any of their depositories failed. The loans made under FDIC guarantee would only require interest at the risk-free rate. Thus the loan takers could offer the proceeds at lower rates than the rates paid on current deposits. Accordingly, funding by banks would shift to the new deposits, and since the new self-insured depositors would have equity at stake, they would have no choice but to duly monitor their banks and impose rate premiums based on each bank's indigenous risk. With these reforms, some very costly imperfections of current deposit insurance would be eliminated: the FDIC would now have in place a program that would dissuade banks from moral hazard and high risk and set the foundation for better disciplined, safer, and more cost-efficient banking.
Book Synopsis Reforming Federal Deposit Insurance by : Philip F. Bartholomew
Download or read book Reforming Federal Deposit Insurance written by Philip F. Bartholomew and published by . This book was released on 1990 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Reforming Deposit Insurance by : Panos Konstas
Download or read book Reforming Deposit Insurance written by Panos Konstas and published by . This book was released on 2006 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions Publisher : ISBN 13 : Total Pages :96 pages Book Rating :4.F/5 ( download)
Book Synopsis Comprehensive Deposit Insurance Reform by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions
Download or read book Comprehensive Deposit Insurance Reform written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and published by . This book was released on 2002 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance by : Richard L. Fogel
Download or read book Deposit Insurance written by Richard L. Fogel and published by DIANE Publishing. This book was released on 1998-04 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: Deposit insurance was initiated in the 1930s to help restore confidence in the banking system after thousands of banks failed and millions of dollars in deposits were lost during the Great Depression. In 1990, the federal government insured about $3 trillion in deposits in the nation1s banks, thrifts, and credit unions and has to date fulfilled its goal of maintaining the stability of the banking system. This report discusses issues associated with reforming the deposit insurance system, specifically changes to the system that will promote a safe, sound, and stable banking industry. Charts and tables.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :104 pages Book Rating :4.0/5 ( download)
Book Synopsis Viewpoints of the FDIC and Select Industry Experts on Deposit Insurance Reform by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Viewpoints of the FDIC and Select Industry Experts on Deposit Insurance Reform written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2001 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Reform of Deposit Insurance written by and published by . This book was released on 2001 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :96 pages Book Rating :4.:/5 (51 download)
Book Synopsis The Federal Deposit Insurance System and Recommendations for Reform by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book The Federal Deposit Insurance System and Recommendations for Reform written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Comprehensive Deposit Insurance Reform by : United States Senate
Download or read book Comprehensive Deposit Insurance Reform written by United States Senate and published by . This book was released on 2020-03-11 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Comprehensive deposit insurance reform: responses to the FDIC's recommendations for reform: hearing before the Subcommittee on Financial Institutions of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Seventh Congress, first session, on the Federal Deposit Insurance Corporation's recommendations for improving the deposit insurance system, August 2, 2
Book Synopsis FDIC-sponsored Self-insured Depositors by : Panos Konstas
Download or read book FDIC-sponsored Self-insured Depositors written by Panos Konstas and published by . This book was released on 2005 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :628 pages Book Rating :4.F/5 ( download)
Book Synopsis Deposit Insurance Reform and Financial Modernization by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 628 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance: Assessment of Regulators’ Use of Prompt Corrective Action Provisions & FDIC’s New Deposit Insurance System by :
Download or read book Deposit Insurance: Assessment of Regulators’ Use of Prompt Corrective Action Provisions & FDIC’s New Deposit Insurance System written by and published by DIANE Publishing. This book was released on 2007 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress Publisher :Createspace Independent Publishing Platform ISBN 13 :9781983490620 Total Pages :80 pages Book Rating :4.4/5 (96 download)
Book Synopsis Comprehensive Deposit Insurance Reform by : United States. Congress
Download or read book Comprehensive Deposit Insurance Reform written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-01-05 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Comprehensive deposit insurance reform : responses to the FDIC's recommendations for reform : hearing before the Subcommittee on Financial Institutions of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Seventh Congress, first session, on the Federal Deposit Insurance Corporation's recommendations for improving the deposit insurance system, August 2, 2
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :632 pages Book Rating :4.:/5 (51 download)
Book Synopsis Deposit Insurance Reform and Financial Modernization by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 632 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs Publisher : ISBN 13 : Total Pages :664 pages Book Rating :4.F/5 ( download)
Book Synopsis Deposit Insurance Reform by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs
Download or read book Deposit Insurance Reform written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1990 with total page 664 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Deposit Insurance Corporation by : Federal Deposit Insurance Corporation
Download or read book Federal Deposit Insurance Corporation written by Federal Deposit Insurance Corporation and published by . This book was released on 1984 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
