Home > Business & Economics > Economics > Macroeconomics > When Regulation Was Too Successful- The Sixth Decade of Deposit Insurance
When Regulation Was Too Successful- The Sixth Decade of Deposit Insurance

When Regulation Was Too Successful- The Sixth Decade of Deposit Insurance


  • Gray Star
  • Gray Star
  • Gray Star
  • Gray Star
  • Gray Star



International Edition


About the Book

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.


About the Author:

DAVID S. HOLLAND has been a bank consultant and an editor of a financial industry newsletter. Currently, he is an analyst with the Federal Deposit Insurance Corporation. Dr. Holland has written extensively, with articles in such journals as The Golembe Reports and FDIC Banking Review.


Best Sellers



Product Details
  • ISBN-13: 9780275963569
  • Publisher: Praeger Publishers
  • Publisher Imprint: Praeger Publishers
  • Height: 237 mm
  • No of Pages: 160
  • Series Title: English
  • Weight: 412 gr
  • ISBN-10: 027596356X
  • Publisher Date: 30 Nov 1998
  • Binding: Hardback
  • Language: English
  • Returnable: Y
  • Spine Width: 19 mm
  • Width: 157 mm


Similar Products


Write A Review
Write your own book review for When Regulation Was Too Successful- The Sixth Decade of Deposit Insurance
  • Gray Star
  • Gray Star
  • Gray Star
  • Gray Star
  • Gray Star


 

 

Top Reviews
Be the first to write a review on this book When Regulation Was Too Successful- The Sixth Decade of Deposit Insurance

New Arrivals



Inspired by your browsing history