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The Effect Of Deposit Insurance On Financial Institutions
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Author :United States. Advisory Commission on Intergovernmental Relations Publisher : ISBN 13 : Total Pages :556 pages Book Rating :4.:/5 (327 download)
Book Synopsis The Impact of Increased Insurance on Public Deposits by : United States. Advisory Commission on Intergovernmental Relations
Download or read book The Impact of Increased Insurance on Public Deposits written by United States. Advisory Commission on Intergovernmental Relations and published by . This book was released on 1977 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: Printed for the use of the Committee on Banking, Housing, and Urban Affairs, United States Senate.
Book Synopsis The Effect of Deposit Insurance on Financial Institutions by : Jack Carr
Download or read book The Effect of Deposit Insurance on Financial Institutions written by Jack Carr and published by . This book was released on 1991 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book FDIC Quarterly written by and published by . This book was released on 2009 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :586 pages Book Rating :4.X/5 (2 download)
Book Synopsis Condition of Deposit Insurance Funds and the Impact of the Proposed Deposit Insurance Premium Reduction on the Bank and Thrift Industries by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Condition of Deposit Insurance Funds and the Impact of the Proposed Deposit Insurance Premium Reduction on the Bank and Thrift Industries written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 1995 with total page 586 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.
Book Synopsis How Deposit Insurance Affects Financial Depth by : Robert J. Cull
Download or read book How Deposit Insurance Affects Financial Depth written by Robert J. Cull and published by World Bank Publications. This book was released on 1998 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: January 1998 Whether the adoption of explicit deposit insurance strengthens financial markets or weakens them depends on the circumstances in which it is adopted. Adopting it to counteract instability appears to have little (or negative) effect. Adopting it when government credibility and institutional development are high appears to have a positive effect on financial depth. Should we expect deposit insurance to have a positive effect on development of the financial sector? All insurance pools individual risks: premiums are paid into a fund from which losses are met. In most circumstances, a residual claimant to the fund (typically a private insurance company) loses money when losses exceed premiums. Claimants that underprice risk tend to go bankrupt. With most deposit insurance, however, the residual claimant is a government agency with very different incentives. If the premiums paid by member banks cannot cover current fund expenditures, the taxpayer makes up the shortfall. Facing little threat of insolvency, there is less incentive for administrative agencies to price risk accurately. In the United States, researchers have found that the combination of increasing competition in banking services and underpriced deposit insurance led to riskier banking portfolios without commensurate increases in bank capital. Deposit insurance may facilitate risk-taking, with negative consequences for the health of the financial system. On the positive side, insurance may give depositors increased confidence in the formal financial sector-which may decrease the likelihood of bank runs and increase financial depth. Indeed, simple bivariate correlations between explicit insurance and financial depth are positive. But when one also controls for income and inflation, that relationship disappears-in fact, the partial correlation between changes in subsequent financial depth and the adoption of explicit insurance is negative (and quite pronounced). Counterintuitive though it may be, that stylized fact may be partially explained by the political and economic factors that motivated the decision to establish an explicit scheme. The circumstances surrounding decisions about deposit insurance are associated with different movements in subsequent financial depth. Adopting explicit deposit insurance to counteract instability in the financial sector does not appear to solve the problem. The typical reaction to that type of decision has been negative, at least with regard to financial depth in the three years after the program's inception. Adopting explicit deposit insurance when government credibility and institutional development were high appears to have had a positive effect on financial depth. This paper-a product of the Development Research Group- part of a larger effort in the group to study the design, implementation, and effects of deposit insurance programs.
Book Synopsis Does Deposit Insurance Increase Banking System Stability? by : Asl? Demirgüç-Kunt
Download or read book Does Deposit Insurance Increase Banking System Stability? written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1999 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Explicit deposit insurance tends to be detrimental to bank stability-- the more so where bank interest rates are deregulated and the institutional environment is weak"--Cover.
Download or read book Ensuring Failure written by Jack Carr and published by . This book was released on 1994 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal deposit insurance in Canada is provided by the Canada Deposit Insurance Corporation (CDIC), created by an act of Parliament in 1967 to guarantee certain types of deposits of member institutions up to a limit currently set at $60,000 for each account. This document examines this question and looks at financial system stability and deposit insurance in Canada. More precisely, it focuses on efficiency and political explanations for deposit insurance; the banking system before 1967; the effect of deposit insurance on the banking system; and regulations and depositor compensation.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :1482 pages Book Rating :4.:/5 (327 download)
Book Synopsis Deposit Insurance Reform and Related Supervisory Issues by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Deposit Insurance Reform and Related Supervisory Issues written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1986 with total page 1482 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Agenda for Reform by : United States. Federal Home Loan Bank Board
Download or read book Agenda for Reform written by United States. Federal Home Loan Bank Board and published by . This book was released on 1983 with total page 436 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 :1112 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 1112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance and Financial Development by : Robert J. Cull
Download or read book Deposit Insurance and Financial Development written by Robert J. Cull and published by World Bank Publications. This book was released on 2001 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do deposit insurance programs contribute to financial developmen? Yes, but only if the regulatory environment is sound.
Author :United States. Congress. House. Committee on Banking and Currency Publisher : ISBN 13 : Total Pages :152 pages Book Rating :4.0/5 (11 download)
Book Synopsis Insurance of Deposits and Share Accounts by : United States. Congress. House. Committee on Banking and Currency
Download or read book Insurance of Deposits and Share Accounts written by United States. Congress. House. Committee on Banking and Currency and published by . This book was released on 1963 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance by : Ms.G. G. Garcia
Download or read book Deposit Insurance written by Ms.G. G. Garcia and published by International Monetary Fund. This book was released on 1996-08-01 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper contrasts deposit protection with other forms of insurance, examines why goods and services of all kinds receive warranties and guarantees, and explores the particular characteristics of deposits and banks that merit deposit insurance. It examines a variety of reasons why countries choose to adopt systems of deposit insurance, the pitfalls that can arise from poorly designed schemes, and the features of a scheme that successfully avoids these pitfalls.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :116 pages Book Rating :4.0/5 (9 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 116 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :108 pages Book Rating :4.F/5 ( download)
Book Synopsis Viewpoints of Select Regulators 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 Select Regulators 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 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Opening, Deposit Insurance, and Risk in a Model of Banking Competition by : Mr.Tito Cordella
Download or read book Financial Opening, Deposit Insurance, and Risk in a Model of Banking Competition written by Mr.Tito Cordella and published by International Monetary Fund. This book was released on 1998-06-01 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies the impact of competition on the determination of interest rates and banks’ risk-taking behavior under different assumptions about deposit insurance and the dissemination of financial information. It finds that lower entry costs foster competition in deposit rate sand reduce banks’ incentives to limit risk exposure. Although higher insurance coverage amplifies this effect, two alternative arrangements (risk-based contributions to the insurance fund and public disclosure of financial information) help to reduce it. Moreover, uninsured but fully informed depositors and risk-based full deposit insurance yield the same equilibrium risk level, which is independent of entry costs. The welfare implications of the different arrangements are also explored.