منابع مشابه
Market discipline at German savings banks
Several theoretical studies suggest that only uninsured depositors have an incentive to discipline their banks, i. e. react with changes in deposit volumes or in required interest rates as a reaction to changes in banks’ risk. This paper empirically investigates whether German savings banks are disciplined by their depositors although these should be regarded as fully insured due to public guar...
متن کاملLiberalization , Corporate Governance , and Savings Banks
We study the effects of the interplay between banking deregulation and corporate governance on the lending behavior of savings banks in Spain. The removal of branching barriers that constrained these banks has led to a nationwide expansion, increasing the number of their branches and their commercial lending volume dramatically. Analyzing a unique data set combining information on the geographi...
متن کاملUnderstanding the Experience of Converted New England Savings Banks
B anking industry performance and failure rates since the mid-1980s have followed a pattern that is tied closely to regional economic conditions. The pattern begins with increases in bank loan concentrations in areas related to a region's growth, followed by deterioration in asset quality, earnings, and capital when regional recessions appear. Moreover, rapid growth in bank assets often accompa...
متن کاملThe technological option of Spanish savings banks before the Internet ,
Technical advances in retail banking have had profound repercussions for the competitiveness of individual firms and for the sector as a whole. This work sets out 2 objectives: first, it attempts to analyse the role of technology with respect to both organizational change and the products and services offered by the savings banks; and second, to investigate the reciprocal influence of technolog...
متن کاملHow Politics in uence State-owned Banks - the Case of German Savings Banks
This paper is one of the rst to analyse political in uence on state-owned savings banks in a developed country with an established nancial market: Germany. Combining a large dataset with nancial and operating gures of all 457 German savings banks from 1994 to 2006 and information on over 1,250 local elections during this period we investigate the change in business behavior around elections. We...
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ژورنال
عنوان ژورنال: The ANNALS of the American Academy of Political and Social Science
سال: 1892
ISSN: 0002-7162,1552-3349
DOI: 10.1177/000271629200300102