Recent Changes in Handling Bank Failures and Their Effects on the Banking Industry
نویسنده
چکیده
SN SOME of its public statements in recent years, the Federal Deposit Insurance Corporation (FDIC) has stressed the objective of promoting market discipline of the risks assumed by banks through the influence of uninsured depositors.’ The FDIC has attempted to accomplish this by allowing the uninsured depositors of some failed banks to suffer losses. In practice, the cases in which uninsured depositors have been exposed to losses involve relatively small banks As a consequence, the managers of some relatively small banks claim that they have lost large-denomination deposit accounts to larger banks as large depositors reduce the risk of losing part of their deposits by moving their accounts to relatively large banks.’
منابع مشابه
The effect of Iranian banks\' merger on structure of loans
Iranian banking network policymakers are focused on bank consolidation as one of the reform policies in recent years. But before merging banks, it is necessary to examine their effects. Loans are one crucial item in the bankschr('39') balance sheets that are affected by bank consolidation. In the Iranian banking network, loans are offered to various economic sectors. What is important for banki...
متن کاملA Study on Factors Affecting Operational Electronic Banking Risks in Iran Banking Industry (Case Study: Kermanshah Melli Bank)
Nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. This technological innovation by E–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. This risks need to be identified and mana...
متن کاملInvestigating the missing data effect on credit scoring rule based models: The case of an Iranian bank
Credit risk management is a process in which banks estimate probability of default (PD) for each loan applicant. Data sets of previous loan applicants are built by gathering their data, and these internal data sets are usually completed using external credit bureau’s data and finally used for estimating PD in banks. There is also a continuous interest for bank to use rule based classifiers to b...
متن کاملEvaluate the impact of macro variables on lending in the country's banking network
One of the necessary and effective tools for economic development is the efficient bank system. In the Iranian bank system, mobilizing and allocating resources through the loans are the main function of banks. The main aim of this research is to study the mechanisms of variables such as inflation rate, liquidity, the exchange rate in the free market, economic growth rate and bank deposits amoun...
متن کاملFormulating optimal marketing scenarios by Agent Based simulation approach (Case study: Tejarat Bank)
In recent years, the banking industry has witnessed great changes in the field of competition, which has led to the rise of market share and the attraction of customer concern to many of the managers in the banking industry. In the same vein, banks are always struggling to achieve a desirable position by utilizing new approaches to marketing in a competitive environment. Due to this importance,...
متن کامل