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 کاملBank Competition and Risk-taking in the Iranian Banking Industry
Abstract: The banking industry is one of the main sectors of the economy of any country, that its health is a necessary condition to play a positive role in the economic development of that country. The health of the banking system is assessed by the financial stability criterion, which is evaluated by various risk-taking indexes. On the other hand, the banks risk-taking is affected by various...
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ژورنال
عنوان ژورنال: Social Science Research Network
سال: 2023
ISSN: ['1556-5068']
DOI: https://doi.org/10.2139/ssrn.4369669