State Regulation Of Banks In An Era Of Deregulation
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State Regulation Of Banks In An Era Of Deregulation
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Author : Sandra B. McCray
language : en
Publisher:
Release Date : 1988
State Regulation Of Banks In An Era Of Deregulation written by Sandra B. McCray and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Bank management categories.
Commercial Banking In An Era Of Deregulation
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Author : Emmanuel N. Roussakis
language : en
Publisher: Praeger Publishers
Release Date : 1984
Commercial Banking In An Era Of Deregulation written by Emmanuel N. Roussakis and has been published by Praeger Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 1984 with Business & Economics categories.
U S Bank Deregulation In Historical Perspective
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Author : Charles W. Calomiris
language : en
Publisher: Cambridge University Press
Release Date : 2006-11-02
U S Bank Deregulation In Historical Perspective written by Charles W. Calomiris and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-11-02 with Business & Economics categories.
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.
Commercial Banking In An Era Of Deregulation
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Author : Emmanuel Roussakis
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 1997-04-22
Commercial Banking In An Era Of Deregulation written by Emmanuel Roussakis and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997-04-22 with Business & Economics categories.
Global competition, technological development, and changes in banking laws and regulations are transforming the role of commercial banks and the nature of the banking business within the U.S. financial system. The earlier editions of this work have been revised and expanded to incorporate discussions of these dramatic changes and their results. The discussions of the issues have been kept as current as possible, and a solid background has been supplied to provide perspective. Emphasis has been placed on the management of commercial banks through the formulation and implementation of sound and flexible policies.
State And Financial Systems In Europe And The Usa
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Author : Jaime Reis
language : en
Publisher: Routledge
Release Date : 2016-04-01
State And Financial Systems In Europe And The Usa written by Jaime Reis and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-01 with History categories.
During the twentieth century the financial sector became possibly the most regulated area of the economy in many advanced and developing countries. The interwar years represented the defining moment for the escalation of governments' intervention, turning the State into the core of financial systems in its capacity of regulator, supervisor or owner. The essays in this collection shed light on different aspects of the experience of financial regulation, ownership and deregulation in Europe and the USA from a secular historical perspective. The volume's chapters explore how the political economy of finance changed in the nineteenth and twentieth centuries and how such changes were related to shifting attitudes towards globalization. They also investigate how regulation responded to governance problems of financial intermediaries and markets, and how different legal frameworks and institutional architectures influenced such response. The collection engages with a set of issues as diverse as they are interrelated across countries and over time: the regulatory attitude of British authorities toward the banking system and the stock exchange market in the nineteenth and twentieth centuries; the comparative evolution of bankruptcy laws and procedures; the link between state, regulation and governance in the evolution of the US and French financial systems; the emergence of banking regulation and supervision by central banks; the regulation and supervision of international financial markets since the 1950s; and the connection between deregulation and banking crises at the end of the past century. Taken as a whole, the chapters offer an intriguing insight into the differing ways western countries approached and responded to the challenges of the international financial system, and the legacy of this on the modern world. In so doing the volume holds up to historical scrutiny the debate as to whether overt state regulation of financial markets always has a negative affect on economic growth, or whether it can be an essential tool for developing nations in their efforts to expand their economies.
Big Bad Banks
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Author : Thorsten Beck
language : en
Publisher: World Bank Publications
Release Date : 2007
Big Bad Banks written by Thorsten Beck and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Banks and banking categories.
Policymakers and economists disagree about the impact of bank regulations on the distribution of income. Exploiting cross-state and cross-time variation, we test whether liberalizing restrictions on intra-state branching in the United States intensified, ameliorated, or had no effect on income distribution. We find that branch deregulation lowered income inequality. Deregulation lowered income inequality by affecting labor market conditions, not by boosting the business income of the poor, nor by enhancing educational attainment. Reductions in the earnings gap between men and women and between skilled and unskilled workers account for the bulk of the explained drop in income inequality.
State Regulation Of Banks In An Era Of Deregulation
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Author : Sandra B. McCray
language : en
Publisher:
Release Date : 1988
State Regulation Of Banks In An Era Of Deregulation written by Sandra B. McCray and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Bank management categories.
The Changing Face Of American Banking
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Author : Ranajoy Ray Chaudhuri
language : en
Publisher: Springer
Release Date : 2016-10-15
The Changing Face Of American Banking written by Ranajoy Ray Chaudhuri and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-10-15 with Business & Economics categories.
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.
The Impact Of Geographic Deregulation On The American Banking Industry
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Author : Ann B. Matasar
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2002-03-30
The Impact Of Geographic Deregulation On The American Banking Industry written by Ann B. Matasar and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-03-30 with Business & Economics categories.
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.
Banking Deregulation And The New Competition In Financial Services
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Author : S. Kerry Cooper
language : en
Publisher:
Release Date : 1984
Banking Deregulation And The New Competition In Financial Services written by S. Kerry Cooper and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1984 with Business & Economics categories.