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Essays On The Banking Industry
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Author :Hendrith Vanlon Smith, Jr. Publisher :Mayflower-Plymouth Capital LLC ISBN 13 :1986706427 Total Pages :26 pages Book Rating :4.9/5 (867 download)
Book Synopsis Essays on The Banking Industry by : Hendrith Vanlon Smith, Jr.
Download or read book Essays on The Banking Industry written by Hendrith Vanlon Smith, Jr. and published by Mayflower-Plymouth Capital LLC. This book was released on 2016-12-13 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essays on The Banking Industry by Hendrith Smith
Book Synopsis Essays on the Banking Industry and the U.S. Economy by : Pallavi Choudhuri
Download or read book Essays on the Banking Industry and the U.S. Economy written by Pallavi Choudhuri and published by . This book was released on 2014 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation consists of three essays on the banking industry. The first essay examines the role of securitization and its impact on cost efficiency, and investigates whether banks that securitized their assets to manage their liquidity needs achieved greater cost efficiency in the short run, and whether there was any incentive towards taking on excessive credit risk in the process. The analysis is carried out for commercial banks that securitized their assets during the period leading up to the 2007-2009 financial crisis. The results suggest that for banks that are exposed to higher risk from unused loan commitments, increased cost efficiency is associated with an increase in banks' ability to securitize loans, prompted by higher loan portfolio liquidity. In addition, improved cost efficiency is associated with higher credit risk exposure from asset securitization for very large banks, providing distorted economic incentive to increase asset risk. The banking industry experienced great turmoil during the recent financial crisis, with increases in solvency risk, coupled with liquidity risk that exacerbated under a severe economy-wide liquidity shock. The second essay explores the relationship between liquidity and insolvency in the framework of the FHLB advances program used by commercial banks between 2007 and 2010. While the FHLB system provided an important source of liquidity for its member banks, the results provide evidence that borrowing per asset is positively associated with increases in the Texas ratio, an early warning signal of default risk, raising questions about moral hazard incentives embedded in the system. The third essay explores the role played by banks in promoting technological innovation in the U.S. In particular, I examine whether changes in the banking industry following branch liberalization translated into a higher rate of innovative activity and the channels through which the finance-technology nexus takes place. The results show that while intrastate branch deregulation is negatively associated with technological innovation, the effect is positive after interstate branch deregulation through increased access to capital.
Book Synopsis Monetary and Banking History by : Geoffrey Wood
Download or read book Monetary and Banking History written by Geoffrey Wood and published by Taylor & Francis. This book was released on 2011-05-11 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: Forrest Capie is an eminent economic historian who has published extensively on a wide range of topics, with an emphasis on banking and monetary history, particularly in the nineteenth and twentieth centuries, but also in other areas such as tariffs and the interwar economy. He is a former editor of the Economic History Review, one of the leading academic journals in this discipline. Under the steely editorship of Geoffrey Wood, this book brings together a stellar line of of contributors - including Charles Goodhart, Harold James, Michael Bordo, Barry Eichengreen, Charles Calomiris, and Anna Schwartz. The book analyzes many of the mainstream themes in economic and financial history - monetary policy, international financial regulation, economic performance, exchange rate systems, international trade, banking and financial markets - where historical perspectives are considered important. The current wave of globalisation has stimulated interest in many of these areas as ‘lessons of history’ are sought. These themes also reflect the breadth of Capie’s work in terms of time periods and topics.
Book Synopsis Economic Essays by : Charles Franklin Dunbar
Download or read book Economic Essays written by Charles Franklin Dunbar and published by Beaufort Books. This book was released on 1904 with total page 528 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economic science in America, 1776-1876.--The reaction in political economy.--The academic study of political economy.--Ricardo's use of facts.--Some precedents followed by Alexander Hamilton.--The direct tax of 1861.--The new income tax.--Early banking Schemes in England.--The bank of Venice.--Accounts of the first bank of the United States.--Deposits as currency.--The bank-note question.--The safety of the legal tender paper.--the national banking system.--Can we keep a gold currency?--The crisis of 1857.--The crisis of 1860.--State banks in 1860.--The establishment of the national banking system.--The circulation of the national banks, 1865-1900.
Book Synopsis Three Essays on the U.S. Banking Industry Evolution by : Shen Jin
Download or read book Three Essays on the U.S. Banking Industry Evolution written by Shen Jin and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Money and the Market by : Kevin Dowd
Download or read book Money and the Market written by Kevin Dowd and published by Routledge. This book was released on 2013-12-16 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Kevin Dowd asserts that state intervention into financial and monetary systems has failed, and that we would be better off if financial markets were left to regulate themselves. This collection will appeal to students, researchers and policy makers in the monetary and financial area.
Author :Hendrith Vanlon Smith, Jr. Publisher :Mayflower-Plymouth Capital LLC ISBN 13 :1980622582 Total Pages :24 pages Book Rating :4.9/5 (86 download)
Book Synopsis Essays on Capitalism & The U.S. Economy by : Hendrith Vanlon Smith, Jr.
Download or read book Essays on Capitalism & The U.S. Economy written by Hendrith Vanlon Smith, Jr. and published by Mayflower-Plymouth Capital LLC. This book was released on 2012-05-05 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: ESSAYS ON CAPITALISM & THE U.S. ECONOMY The book is targeted toward an audience of Central Bankers with backgrounds in both Macro Social-Work and Economics. The book is intended to be more of a presentation of ideas and feedback as opposed to a thorough analysis of data. Some data will be referenced, but not extensively. Readers should be able to get through the book in a single sitting of one hour, after which they should have a better sense of how we as Central Bankers can add more value to our Capitalist Economy as a whole and to individual and family participants. The perspective is a big picture view on what is going on in society within the context of our Capitalist Economy; and suggestions are given as to what actions can be taken at the Fed to help advance society forward within the context of the dual-mandate and the 5 core duties; and toward a vision of Permaculture Capitalism.
Book Synopsis Essays in Financial Economics by : Rita Biswas
Download or read book Essays in Financial Economics written by Rita Biswas and published by Emerald Group Publishing. This book was released on 2019-10-24 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume, dedicated to John W. Kensinger, explores a variety of topics in financial economics, including firm growth, investment risks, and the profitability of the banking industry. With its global perspective, Essays in Financial Economics is a valuable addition to the bookshelf of any researcher in finance.
Book Synopsis Essays on Non-traditional Activities in the Banking Industry by : Lijuan Sun
Download or read book Essays on Non-traditional Activities in the Banking Industry written by Lijuan Sun and published by . This book was released on 2017 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on Banking & Finance by : A. O. G. Otiti
Download or read book Essays on Banking & Finance written by A. O. G. Otiti and published by . This book was released on 1998 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Future of Financial Systems and Services by : Edward P.M. Gardener
Download or read book The Future of Financial Systems and Services written by Edward P.M. Gardener and published by Springer. This book was released on 2015-12-22 with total page 422 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume of essays comprises a systematic collection of views from scholars and practitioners on the future of financial systems and services and reflects the fact that the financial industry worldwide is involved in a major restructuring process.
Book Synopsis The Journal of Banking from July 1841 to July 1842 by : William M. Gouge
Download or read book The Journal of Banking from July 1841 to July 1842 written by William M. Gouge and published by . This book was released on 1842 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on Banking and Industrial Organization by : Anna Trubnikova
Download or read book Essays on Banking and Industrial Organization written by Anna Trubnikova and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation consists of two essays on industrial organization of the consumer financial industry. The first chapter examines the effect of technology and online services on the consumer banking industry. E-banking has reshaped retail banking as many consumers have switched from branch visits to a convenient and time-saving digital channel. At the same time banks have been closing branches: more than 12% of brick-and-mortar locations disappeared from 2009 to 2018. This paper studies the implications of the e-banking technology and bank branch closures on consumers. I build a discrete choice de- mand model for bank deposits, in which I allow consumers to make choices along two margins: whether or not to adopt e-banking, and also choose the number of online sessions and bank branch visits. The model introduces consumer heterogeneity via taste for banking and allows for flexible substitution patterns across brick-and-mortar and digital channels. I estimate the model using rich microdata on banking patterns, which includes the FDIC Unbanked and Underbanked Survey and comScore data. I find that e-banking and branch banking are substitutes and have an elasticity of substitution of 1.73. Welfare estimates suggest that e-banking is successful in mitigating the negative effects of bank branch closures. In the second chapter we study the role of intermediaries in credit markets and highlight their importance for helping borrowers overcome selection problems and qualify for loans. Our focus is on the Canadian mortgage market. In this market consumers can search for quotes in one of two ways: on their own, or using an intermediary-a mortgage broker. We provide descriptive evidence that borrowers who transact through brokers are different from those who do not. Specifically, we show that broker-users (i) finance larger loans, (ii) are more leveraged and (iii) are less creditworthy.We investigate two explanations for these observations: (i) that brokers steer borrowers towards products that are more profitable for them and (ii) that brokers help borrowers overcome the selection problem by searching over a larger set of lenders. To do so we build and estimate a model of mortgage demand that accounts for and disentangles the explanations for the differences in product choices across origination channels: selection on observables, selection on unobservables, and broker steering. Our findings suggest that both selection and steering are present and play important role in consumer choice of mortgage product.
Book Synopsis Essays on the Consolidation of the Banking Industry by : W. Scott Frame
Download or read book Essays on the Consolidation of the Banking Industry written by W. Scott Frame and published by . This book was released on 1996 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on the Mexican Banking Industry by : Gerardo Zuniga Villasenor
Download or read book Essays on the Mexican Banking Industry written by Gerardo Zuniga Villasenor and published by . This book was released on 2005 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on the Commercial Banking Industry by : Jonathan Lamont Walker
Download or read book Essays on the Commercial Banking Industry written by Jonathan Lamont Walker and published by . This book was released on 1991 with total page 454 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Three Essays on Going Public Strategy by : Dona D. Siregar
Download or read book Three Essays on Going Public Strategy written by Dona D. Siregar and published by . This book was released on 2004 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt:
