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Author : Ann B. Matasar
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.2/5 (161 download)
Download or read book The Impact of Geographic Deregulation on the American Banking Industry written by Ann B. Matasar and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Charles W. Calomiris
Publisher : Cambridge University Press
ISBN 13 : 0521028388
Total Pages : 392 pages
Book Rating : 4.5/5 (21 download)
Download or read book U.S. Bank Deregulation in Historical Perspective written by Charles W. Calomiris and published by Cambridge University Press. This book was released on 2006-11-02 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book shows how deregulation is transforming the size, structure, and geographic range of U.S. banks, the scope of banking services, and the nature of bank-customer relationships. Over the past two decades the characteristics that had made American banks different from other banks throughout the world--a fragmented geographical structure of the industry, which restricted the scale of banks and their ability to compete with one another, and strict limits on the kinds of products and services commercial banks could offer--virtually have been eliminated. Understanding the origins and persistence of the unique banking regulations that defined U.S. banking for over a century lends an important perspective on the economic and political causes and consequences of the current process of deregulation.
Author : H. Semih Yildirim
Publisher :
ISBN 13 :
Total Pages : 35 pages
Book Rating : 4.:/5 (129 download)
Download or read book Geographic Deregulation and Competition in the U.S. Banking Industry written by H. Semih Yildirim and published by . This book was released on 2008 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the effects of geographic deregulation on state-level competition in U.S. banking markets over the period 1976-2005. The empirical results confirm that the U.S. banks in general operated under monopolistic competition during the period examined. After partitioning the sample based on bank size we find that the market competition for large banks in Delaware, Oregon, and Rhode Island can be characterized as monopolistic while small banks in Arizona and Massachusetts seem to have operated under the conditions of perfect competition. The removal of geographic restrictions appears to have very limited and non-uniform effect on state-level competitive conduct. There is some evidence that the U.S. banking industry might have actually experienced a less competitive behavior in recent years due to increased market power of larger banks.
Author : George G. Kaufman
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.3/5 ( download)
Download or read book Consequences of Deregulation for Commercial Banking written by George G. Kaufman and published by . This book was released on 1984 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Daniel L. Milkove
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.3/5 (121 download)
Download or read book Deregulation and the Structure of Rural Financial Markets written by Daniel L. Milkove and published by . This book was released on 1990 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Pietro Alessandrini
Publisher : Springer Science & Business Media
ISBN 13 : 0387980784
Total Pages : 304 pages
Book Rating : 4.3/5 (879 download)
Download or read book The Changing Geography of Banking and Finance written by Pietro Alessandrini and published by Springer Science & Business Media. This book was released on 2009-06-16 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The editors and contributors tackle a timely subject, and present rigorous research and analysis to demonstrate counter-intuitive results. In so doing, they reinforce the connections between organization and policy in the banking industry and its impact on entrepreneurship, through lending and credit to small and medium-sized businesses. The editors present a carefully organized manuscript that presents both literature reviews and the results of original empirical research that will be of interest to academics and professionals in finance, economics, and policy. The authorship and coverage are global. One of the authors, Michele Fratiani, has close ties to Springer, by virtue of his being a founding editor of Open Economies Review and co-editor of the book series, European and Transatlantic Studies.
Author : Ranajoy Ray Chaudhuri
Publisher : Springer
ISBN 13 : 1137361212
Total Pages : 289 pages
Book Rating : 4.1/5 (373 download)
Download or read book The Changing Face of American Banking written by Ranajoy Ray Chaudhuri and published by Springer. This book was released on 2016-10-15 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: With almost 6,300 commercial banks, significantly more than in any other country, the world of US banking is unique, fascinating, and always in flux. Two principal pieces of legislation have shaped the banking structure in this country: The McFadden Act of 1927, which prohibited banks from branching into other states, and The Glass-Steagall Act of 1933, which separated commercial and investment banking activities. The repeal of the Glass-Steagall Act in 1999 was one of the main contributing factors behind the global financial crisis of 2008. This measure resulted in the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, which once again prohibited commercial banks from making certain types of speculative investments. The Changing Face of American Banking analyzes the impact of both these acts - as well as that of their subsequent repeal - in depth, examining the real effects of government regulations on the US commercial banking sector. Ray Chaudhuri pinpoints the evolving nature of US commercial banks and banking regulations and explores their impact on the economy. Instead of just focusing on banks and regulations, this work considers the correlations and causality between banking performance and economic growth and productivity. It also brings the banking literature up to date with the 2008-2009 financial crisis and its aftermath, including the passage of the Dodd-Frank Act of 2010 and its effect on American banking.
Author : YongDong Zou
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (837 download)
Download or read book Geographic Deregulation and Commercial Bank Performance in US State Banking Markets written by YongDong Zou and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Andrew Peters
Publisher :
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.:/5 (16 download)
Download or read book Deregulation, Regional Economics and the Spatial Restructuring of the U.S Commercial Banking Industry written by Andrew Peters and published by . This book was released on 2004 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Michael Phillip Dunham
Publisher :
ISBN 13 :
Total Pages : 204 pages
Book Rating : 4.:/5 (112 download)
Download or read book Federal Geographic Deregulation of Commercial Banking and Its Potential Impact on Banking in Oklahoma written by Michael Phillip Dunham and published by . This book was released on 1981 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Yong-Dong Zou
Publisher :
ISBN 13 :
Total Pages : 27 pages
Book Rating : 4.:/5 (129 download)
Download or read book Geographic Deregulation and Commercial Bank Performance in US State Banking Markets written by Yong-Dong Zou and published by . This book was released on 2011 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the effects of geographical deregulation on commercial bank performance across states. We reach several general conclusions. First, the process of deregulation on an intrastate basis generally improves bank profitability and performance with higher returns and reduced riskiness. Deregulation of interstate banking produces mixed findings. For small banks, interstate banking deregulation leads to reduced riskiness. For medium-sized banks, it leads to increased riskiness. And for large banks, it leads to increased and decreased riskiness depending on the risk variable considered. Second, macroeconomic variables -- the unemployment rate, real personal income per capita, and the growth rate of real personal income -- and the average interest rate affect bank performance as much, or more, than the process of deregulation, especially for the small and medium-sized banks. The large banks, however, generally do not respond significantly to state-level macroeconomic variables or the average interest rate. Finally, while some analysts argue that deregulation toward full interstate banking and branching produced more efficient banks and a healthier banking system, we find mixed results on this issue.
Author : S. Kerry Cooper
Publisher :
ISBN 13 :
Total Pages : 396 pages
Book Rating : 4.3/5 (97 download)
Download or read book Banking Deregulation and the New Competition in Financial Services written by S. Kerry Cooper and published by . This book was released on 1986 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : George G. Kaufman
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.:/5 (632 download)
Download or read book Implications of Deregulation for Product Lines and Geographical Markets of Financial Institutions written by George G. Kaufman and published by . This book was released on 1982 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Bonita M. Kolb
Publisher :
ISBN 13 :
Total Pages : 286 pages
Book Rating : 4.:/5 (318 download)
Download or read book The Impact of Global Competition on United States Banking written by Bonita M. Kolb and published by . This book was released on 1993 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Pietro Alessandrini
Publisher : Springer
ISBN 13 : 9780387980928
Total Pages : 300 pages
Book Rating : 4.9/5 (89 download)
Download or read book The Changing Geography of Banking and Finance written by Pietro Alessandrini and published by Springer. This book was released on 2009-07-21 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: The editors and contributors tackle a timely subject, and present rigorous research and analysis to demonstrate counter-intuitive results. In so doing, they reinforce the connections between organization and policy in the banking industry and its impact on entrepreneurship, through lending and credit to small and medium-sized businesses. The editors present a carefully organized manuscript that presents both literature reviews and the results of original empirical research that will be of interest to academics and professionals in finance, economics, and policy. The authorship and coverage are global. One of the authors, Michele Fratiani, has close ties to Springer, by virtue of his being a founding editor of Open Economies Review and co-editor of the book series, European and Transatlantic Studies.
Author : Ann B. Matasar
Publisher : Bloomsbury Publishing USA
ISBN 13 : 0313013934
Total Pages : 212 pages
Book Rating : 4.3/5 (13 download)
Download or read book The Impact of Geographic Deregulation on the American Banking Industry written by Ann B. Matasar and published by Bloomsbury Publishing USA. This book was released on 2002-03-30 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the passage of the Riegle-Neal Interstate Banking and Branching Efficiency Act and the Riegle Community Development and Regulatory Improvement Act in 1994, some Americans celebrated the dawn of a new banking era. These laws, which provided some relief from regulation, represented the first revision of the Glass-Steagall Act of 1933. In the intervening sixty years, the U.S. banking industry had undergone dramatic changes, both domestically and internationally, and yet the laws associated with banking remained fixed and intransigent. No amount of regulatory flexibility or bankers' ingenuity was able to substitute fully for modernization of the banking laws necessary to keep pace with the revolution in the banking and financial services industries. The new legislation represented a rapid realignment of American banking laws with societal norms; as such, it generated confusion and uncertainty for many bankers and their constituents, for example, stockholders, customers, and employees. Matasar and Heiney examine public data since 1994 in an effort to fully apprise scholars and practitioners of the changes that have irrevocably altered the landscape of American banking. The Riegle-Neal Act and the Riegle Act were the first blows to the dominance of Depression-era legislation in banking. The second was the Gramm-Leach-Bliley Financial Services Modernization Act of 1999, which eliminated major portions of the Glass-Steagall Act. This study, which analyzes data from 1994 to 1999, ably captures and isolates the effects on American banking of the twin Riegle laws alone, with the noted exceptions of changed circumstances that may have resulted from other environmental factors (but not from other banking legislation). The focus here is on interstate banking experiences. Matasar and Heiney's analysis reveals the direction that changes associated with the law are likely to take and thus serves as a baseline for future research and analysis.
Author : Lee A. Burke
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.:/5 (318 download)
Download or read book Deregulation and Interstate Bank Entry in California written by Lee A. Burke and published by . This book was released on 1991 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
