منابع مشابه
Bank Regulation and Deposit Insurance
The subject of government bank regulation is intimately intertwined with that of government deposit insurance. If the government is to insure bank deposits, it should also have some say in the risks that insured banks are allowed to take, otherwise it would leave itself wide open to unlimited potential losses. John H. Kareken (in this issue) comes close to arguing that banks without government ...
متن کاملDeposit Insurance , Institutions and Bank Interest Rates
Many recent institutional reforms of the financial system have relied on the introduction of an explicit scheme of Deposit Insurance. This instrument aims at two main targets, contributing to systemic stability and protecting depositors. However it may also affect the interest rate spread in the banking system, which can be viewed as an indicator of market power in this financial segment. This ...
متن کاملEXPLAINING BANK FAILURES : DEPOSIT INSURANCE , REGULATION AND EFFiCIENCY
This paper uses micro-level historical data to examine the causes of bank failure. For statecharactered Kansas banks during 19 10-28, time-to-failure is explicitly modeled using a proportional hazards framework. In addition to standard financial ratios, this study includes membership in the voluntary state deposit insurance system and measures of technical efficiency to explain bank failure. Th...
متن کاملOptimal bank portfolio choice under fixed-rate deposit insurance
This paper analyzes the investment decisions of insured banks under fixed-rate deposit insurance. The model takes into account the charter value and allows banks to dynamically revise their asset portfolios. Trade-offs exist between preserving the charter and exploiting deposit insurance. The optimal bank portfolio problem is solved analytically for a constant charter value. In any audit period...
متن کاملCan Deposit Insurance Increase the Risk of Bank Failure? Some Historical Evidence
I IJOAN LOSSES ASSOCIAFED WITH declines in energy and agricultural prices) and the collapse of commercial real estate markets were the proximate cause of the high number of bank and savings and loan (S&L) failures of the past 12 years. Many researchers also blame government policies, howevei~such as restrictions on branch banking and limitations on the services that banks and S&,Ls may offer. S...
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ژورنال
عنوان ژورنال: The World Bank Economic Review
سال: 2002
ISSN: 1564-698X
DOI: 10.1093/wber/16.1.109