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Deregulation, Savings and Loan Diversification, and the Flow of Housing Finance
Kane, Edward J. - 1981
than a minor and temporary source of help to S&Ls. Analysis presented shows that Federal Savings and Loan Insurance …
Persistent link: https://www.econbiz.de/10012478481
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The Lender of Last Resort and the Run on the Savings and Loans
Garber, Peter M. - 1981
Speculative runs on asset price fixing schemes are most often attributed either to an inexplicable mass hysteria or to a sudden, unpredictable random disturbance. Such attribution places runs and panics outside of the realm of scientific inquiry. Alternatively, in this paper I define the notion...
Persistent link: https://www.econbiz.de/10012478288
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Real Interest Rates and the Savings and Loan Crisis : The Moral Hazard Premium
Shoven, John B. - 1991
savings and loan industry. Deposit insurance, moral hazard, and regulatory forbearance provide the incentives and the means … associated with the savings and loan fiasco …
Persistent link: https://www.econbiz.de/10012475251
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The Continued Interest Rate Vulnerability of Thrifts
Hendershott, Patric H. - 1990
The 1980s S&L debacle is generally viewed as the result of: (1) sharply rising interest rates eliminating the net worth of thrifts funding fixed-rate loans with short-term deposits and (2) thrifts responding by taking even greater interest-rate and credit risks. The question investigated in this...
Persistent link: https://www.econbiz.de/10012475616
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The U.S. Postal Savings System and the Collapse of B&Ls During the Great Depression
Fleitas, Sebastian; Jaremski, Matthew S.; Sprick … - National Bureau of Economic Research - 2022
they lost their predominance within the following decades as they were pushed to convert into Savings and Loans (S …&Ls). This study examines whether the U.S. government-insured Postal Savings System attracted funds away from B&Ls precisely when … show that the sudden rise in local postal savings was associated with local downturns in B&Ls. Using a panel vector …
Persistent link: https://www.econbiz.de/10013435171
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Were Late-Nineteenth-Century, Small-Town Americans Life-Cycle Savers?
Bodenhorn, Howard - National Bureau of Economic Research - 2021
Although the mobilization of savings is an important function of banks and other financial institutions, there is … remarkably little evidence that bears on how and how well the financial sector mobilized household savings in the nineteenth and … behaviors followed the predictions of the life-cycle hypothesis. Hand-coded data from an Upstate New York savings bank matched …
Persistent link: https://www.econbiz.de/10012533359
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Can Emerging Market Bank Regulators Establish Credible Discipline? The Case of Argentina, 1992-1999
Calomiris, Charles W. - 2000
In the early 1990s, after decades of high inflation and financial repression, Argentina embarked on a course of macroeconomic and bank regulatory reform. Bank regulatory policy promoted privatization, financial liberalization, and free entry, limited safety net support, and established a novel...
Persistent link: https://www.econbiz.de/10012471046
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Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did It Matter to Bank Lending?
Berger, Allen N. - 2000
We test three hypotheses regarding changes in supervisory toughness' and their effects on bank lending. The data provide modest support for all three hypotheses that there was an increase in toughness during the credit crunch period (1989-1992), that there was a decline in toughness during the...
Persistent link: https://www.econbiz.de/10012471072
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Liquidity Risk, Liquidity Creation and Financial Fragility : A Theory of Banking
Diamond, Douglas W. - 1999
Both investors and borrowers are concerned about liquidity. Investors desire liquidity because they are uncertain about when they will want to eliminate their holding of a financial asset. Borrowers are concerned about liquidity because they are uncertain about their ability to continue to...
Persistent link: https://www.econbiz.de/10012471328
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How Offshore Financial Competition Disciplines Exit Resistence by Incentive-Conflicted Bank Regulators
Kane, Edward J. - 1999
This paper studies the impact of technological change and regulatory competition on governmental efforts to generate rents for banks in two stylized regulatory environments. In the first environment, incentive-conflicted regulators attempt to create rents by restricting the size and scope of...
Persistent link: https://www.econbiz.de/10012471631