Supervising Today's Thrift Industry
Author :
Publisher :
Page : 50 pages
File Size : 38,2 MB
Release : 1992
Category : Government publications
ISBN :
Author :
Publisher :
Page : 50 pages
File Size : 38,2 MB
Release : 1992
Category : Government publications
ISBN :
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher :
Page : 108 pages
File Size : 40,56 MB
Release : 2006
Category : Electronic government information
ISBN :
Author :
Publisher :
Page : 842 pages
File Size : 31,52 MB
Release : 1981
Category : Federal home loan banks
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Author :
Publisher :
Page : 1194 pages
File Size : 40,9 MB
Release : 1993
Category : Government publications
ISBN :
Author :
Publisher :
Page : 132 pages
File Size : 47,4 MB
Release : 1990
Category : Federal home loan banks
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher :
Page : 614 pages
File Size : 10,7 MB
Release : 1986
Category : Bank mergers
ISBN :
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Services and Technology
Publisher :
Page : 64 pages
File Size : 33,76 MB
Release : 1999
Category : Business & Economics
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Author : Federal Home Loan Bank of San Francisco. Conference
Publisher :
Page : 262 pages
File Size : 17,50 MB
Release : 1982
Category : Financial services industry
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Author : Peter S. Rose
Publisher : McGraw-Hill/Irwin
Page : 792 pages
File Size : 23,75 MB
Release : 1995
Category : Business & Economics
ISBN :
Author : David S. Holland
Publisher : Praeger
Page : 168 pages
File Size : 38,69 MB
Release : 1998-11-24
Category : Business & Economics
ISBN :
The savings and loan crisis and the banking troubles of the 1980s and early 1990s were not primarily due to fraud, deregulation, inadequate supervision, overly exuberant lending, abrupt changes in tax policies or a host of other short-term causes. All of these factors certainly exacerbated and, in some cases triggered, the problems of depository institutions. But the underlying fundamental reason for the thrift crisis and banking troubles, argues banking and financial analyst David S. Holland, was a form of excess capacity that resulted from many decades of protection from the rigors of competition and the marketplace. Dr. Holland shows that the protection was due to geographical and product limitations and a deposit insurance system that became focused on the prevention of failures of individual institutions. By 1980, the depository institutions industry was ripe for a severe culling—a culling that legislators and regulators probably could have done little to avoid, although they might have channeled and controlled it better. How the government, the industry, and the public reacted to the culling is an instructive and fascinating study in human nature for all those concerned with banking policy and regulation.