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Deposit Insurance Issues And Depositor Discipline
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Author :United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee Publisher : ISBN 13 : Total Pages :344 pages Book Rating :4.0/5 (18 download)
Book Synopsis Deposit Insurance Issues and Depositor Discipline by : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee
Download or read book Deposit Insurance Issues and Depositor Discipline written by United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee and published by . This book was released on 1991 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Dynamic Depositor Discipline in U.S. Banks by : Andrea M. Maechler
Download or read book Dynamic Depositor Discipline in U.S. Banks written by Andrea M. Maechler and published by International Monetary Fund. This book was released on 2003-11-01 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the presence of depositor discipline in the U.S. banking sector. We test whether depositors penalize (discipline) banks for poor performance by withdrawing their uninsured deposits. While focusing on the movements in uninsured deposits, we also account for the possibility that banks may be forced to pay a risk premium in the form of higher interest rates to induce depositors not to withdraw their uninsured deposits. Our results support the existence of depositor discipline: a weak bank may not necessarily be able to stop a deposit drain by raising its uninsured deposit interest rates.
Author :United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee Publisher : ISBN 13 : Total Pages :0 pages Book Rating :4.:/5 (19 download)
Book Synopsis Deposit Insurance Issues and Depositor Discipline by : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee
Download or read book Deposit Insurance Issues and Depositor Discipline written by United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee and published by . This book was released on 1991 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance for the Nineties by : Federal Deposit Insurance Corporation
Download or read book Deposit Insurance for the Nineties written by Federal Deposit Insurance Corporation and published by . This book was released on 1989 with total page 422 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Dynamic Depositor Discipline in U.S. Banks by : Kathleen McDill
Download or read book Dynamic Depositor Discipline in U.S. Banks written by Kathleen McDill and published by . This book was released on 2014 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the presence of depositor discipline in the U.S. banking sector. We test whether depositors penalize (discipline) banks for poor performance by withdrawing their uninsured deposits. While focusing on the movements in uninsured deposits, we also account for the possibility that banks may be forced to pay a risk premium in the form of higher interest rates to induce depositors not to withdraw their uninsured deposits. Our results support the existence of depositor discipline: a weak bank may not necessarily be able to stop a deposit drain by raising its uninsured deposit interest rates.
Book Synopsis How Does Temporary Deposit Insurance Affect Depositor Behavior? Evidence from the US Transaction Account Guarantee Program by : Veronika Molnar
Download or read book How Does Temporary Deposit Insurance Affect Depositor Behavior? Evidence from the US Transaction Account Guarantee Program written by Veronika Molnar and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Prior research shows that significant withdrawal risk stems from the concentration of deposit holdings into large, mostly corporate transaction accounts which are uninsured and liquid. First, I test for the existence of depositor discipline on bank risk taking by large, corporate deposit holders. Second, I examine the effect of the unlimited insurance coverage on depositor discipline. The results of this paper suggest that in the absence of deposit insurance there is significant depositor discipline in large non-interest-bearing transaction accounts in both large and small banks in the U.S.. The findings also reveal that depositor discipline is eliminated during the unlimited insurance period in the sample. This paper shows that corporate depositors are both a source of market discipline and financial instability. Ad interim full insurance coverage on transaction accounts can prevent bank runs on healthy financial institutions in a banking crisis, but should never be made a permanent measure as it deteriorates discipline that is generally beneficial for all depositors.
Author :United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee Publisher : ISBN 13 : Total Pages :334 pages Book Rating :4.0/5 ( download)
Book Synopsis Deposit Insurance Issues and Depositor Discipline by : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee
Download or read book Deposit Insurance Issues and Depositor Discipline written by United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee and published by . This book was released on 1991 with total page 334 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. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :1496 pages Book Rating :4.F/5 ( 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 1496 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Deposit Insurance Reform by : Mitchell Berlin
Download or read book Deposit Insurance Reform written by Mitchell Berlin and published by . This book was released on 1991 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Do Depositors Punish Banks for Bad Behavior? Market Discipline, Deposit Insurance, and Banking Crises by : Maria Soledad Martinez Peria
Download or read book Do Depositors Punish Banks for Bad Behavior? Market Discipline, Deposit Insurance, and Banking Crises written by Maria Soledad Martinez Peria and published by . This book was released on 2001 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper empirically investigates two issues largely unexplored by the literature on market discipline. We evaluate the interaction between market discipline and deposit insurance and the impact of banking crises on market discipline. We focus on the experiences of Argentina, Chile, and Mexico during the 1980s and 1990s. We find that depositors discipline banks by withdrawing deposits and by requiring higher interest rates. Deposit insurance does not appear to diminish the extent of market discipline. Aggregate shocks affect deposits and interest rates during crises, regardless of bank fundamentals; while investors' responsiveness to bank risk taking increases in the aftermath of crises.
Book Synopsis Preferred Sources of Market Discipline by : Douglas Darrell Evanoff
Download or read book Preferred Sources of Market Discipline written by Douglas Darrell Evanoff and published by . This book was released on 1992 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Dynamic Depositor Discipline in U.S. Banks by : Andrea Maechler
Download or read book Dynamic Depositor Discipline in U.S. Banks written by Andrea Maechler and published by . This book was released on 2006 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the presence of depositor discipline in the U.S. banking sector. We test whether depositors penalize (discipline) banks for poor performance by withdrawing their uninsured deposits. While focusing on the movements in uninsured deposits, we also account for the possibility that banks may be forced to pay a risk premium in the form of higher interest rates to induce depositors not to withdraw their uninsured deposits. Our results support the existence of depositor discipline: a weak bank may not necessarily be able to stop a deposit drain by raising its uninsured deposit interest rates.
Book Synopsis Modernizing the Financial System by : United States. Department of the Treasury
Download or read book Modernizing the Financial System written by United States. Department of the Treasury and published by . This book was released on 1991 with total page 738 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Do Depositors Discipline Banks and Did Government Actions During the Recent Crisis Reduce this Discipline? An International Perspective by : Allen N. Berger
Download or read book Do Depositors Discipline Banks and Did Government Actions During the Recent Crisis Reduce this Discipline? An International Perspective written by Allen N. Berger and published by . This book was released on 2014 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: The recent financial crisis highlights the importance of both regulatory and market discipline. Government reactions to the crisis included expanding deposit insurance coverage and rescuing troubled institutions, including some institutions that might not otherwise be considered too important to fail. These actions may have the unintended consequence of a reduction in market discipline that might otherwise penalize banks for risk-taking behavior. Alternatively, market discipline may have increased during the crisis due to heightened awareness of the risks of bank failures. To address these issues, we first test for the presence of depositor discipline effects in the period leading up to the financial crisis in both the US and the EU. Second, we test whether depositor discipline decreased or increased during the crisis. We find significant depositor discipline prior to the crisis in both the US and EU, but this varies between the US and the EU as well as with banking organization size and with listed versus unlisted status. We also find that depositor discipline mostly decreased during the crisis, except for the case of small US banks.
Download or read book Deposit Insurance written by G. G. Garcia and published by International Monetary Fund. This book was released on 1996-08 with total page 70 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.
Download or read book FDIC Banking Review written by and published by . This book was released on 1999 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
