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Branch Banking as a Device for Discipline : Competition and Bank Survivorship During the Great Depression
Carlson, Mark A. - 2007
Because California was a pioneer in the development of intrastate branching, we use its experience during the 1920s and … 1930s to assess the effects of the expansion of large-scale, branch-banking networks on competition and the stability of … banks responded to increased competition from branch banks by changing their operations in ways consistent with efforts to …
Persistent link: https://www.econbiz.de/10012777583
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Branch Banking, Bank Competition, and Financial Stability
Carlson, Mark A. - 2005
findings. Using data on national banks from the 1920s and 1930s, we show that branch banking increases competition and forces … strengthening the branch banks themselves. Our empirical results suggest that the effects that branching had on competition were …
Persistent link: https://www.econbiz.de/10012784687
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Liquidity Requirements, Free-Riding, and the Implications for Financial Stability Evidence from the Early 1900s
Carlson, Mark A.; Jaremski, Matthew - 2022
Maintaining sufficient liquidity in the financial system is vital for its stability. However, since returns on liquid assets are typically low, individual financial institutions may seek to hold fewer such assets, especially if they believe they can rely on other institutions for liquidity...
Persistent link: https://www.econbiz.de/10013293885
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Bank Examiners’ Information and Expertise and Their Role in Monitoring and Disciplining Banks Before and During the Panic of 1893
Calomiris, Charles W. - 2018
We examine whether examiners were informed and contributed to the health of the banking sector. Information included quantitative information that was eventually made public, quantitative information that remained private, and subjective information dependent on the examiner's production of...
Persistent link: https://www.econbiz.de/10012922979
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The Evolution of Bank Supervision : Evidence from U.S. States
Mitchener, Kris James - 2014
as the structural shift from note-issuing to deposit-taking commercial banks and competition with national banks …
Persistent link: https://www.econbiz.de/10013045278
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The Evolution of the Financial Stability Mandate : From its Origins to the Present Day
Toniolo, Gianni - 2015
We investigate the origins and growth of the Financial Stability Mandate (FSM) to examine why bank supervisors, inside and outside of central banks succeeded or failed to meet their FSM. Three issues inform this study: (1) what drives changes in the FSM, (2) whether supervision should be...
Persistent link: https://www.econbiz.de/10013030142
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"To Establish a More Effective Supervision of Banking" : How the Birth of the Fed Altered Bank Supervision
White, Eugene N. - 2011
appearance of the Fed as an additional supervisor led to more "competition in laxity" among regulators and "regulatory arbitrage … failures of competition and market valuation. In response, the New Deal shifted to a regime of discretion-based supervision …
Persistent link: https://www.econbiz.de/10013129130
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Selling Failed Banks
Granja, Joao - 2014
We study the recent episode of bank failures and provide simple facts to better understand who acquires failed banks and which forces drive the losses that the FDIC realizes from these sales. We document three distinct forces related to the allocation of failed banks to potential acquirers....
Persistent link: https://www.econbiz.de/10013048587
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The Panic of 2007
Gorton, Gary B. - 2010
How did problems with subprime mortgages result in a systemic crisis, a panic? The ongoing Panic of 2007 is due to a loss of information about the location and size of risks of loss due to default on a number of interlinked securities, special purpose vehicles, and derivatives, all related to...
Persistent link: https://www.econbiz.de/10012758346
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Bank Failures in Theory and History : The Great Depression and Other "Contagious" Events
Calomiris, Charles W. - 2010
Bank failures during banking crises, in theory, can result either from unwarranted depositor withdrawals during events characterized by contagion or panic, or as the result of fundamental bank insolvency. Various views of contagion are described and compared to historical evidence from banking...
Persistent link: https://www.econbiz.de/10012759695