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Author : Kirsten Grind
Publisher : Simon and Schuster
Page : 401 pages
File Size : 54,8 Mb
Release : 2013-07-16
Category : Business & Economics
ISBN : 9781451617931
Based on reporting for which the author was named a finalist for the Pulitzer Prize and the Gerald Loeb Award, this book traces the rise and spectacular fall of Washington Mutual.
Author : Amy Sterling Casil
Publisher : The Rosen Publishing Group, Inc
Page : 80 pages
File Size : 55,5 Mb
Release : 2010-08-15
Category : Juvenile Nonfiction
ISBN : 9781448808212
With the recent credit crisis there is a renewed interest in how banks operate and sometimes fail. This book offers an understandable explanation of the complex banking system and how to prevent unreasonable risk.
Author : Richard S Collier
Publisher : Oxford University Press
Page : 368 pages
File Size : 43,6 Mb
Release : 2020-09-01
Category : Business & Economics
ISBN : 9780192603470
Banks seem all too often involved in cases of misconduct, particularly involving the exploitation of tax systems. Banking on Failure explains why and how banks "game the system", accounting for these misconduct cases and analysing the wider implications for financial markets and tax systems. Banking on Failure: Cum-Ex and Why and How Banks Game the System explains why banks design and use structured products to exploit tax systems. It describes one of the biggest and most complex cases - the "cum-ex" scandal - in which hundreds of banks and funds from across the globe participated in the raid on the public exchequers of a number of countries, with losses in the tens of billions of euros. The book then draws on the significance of this case study, and what this tells us about modern banks and their interactions with tax systems. Banking on Failure demonstrates why the exploitation of tax systems by banks is an inevitable feature of the financial markets landscape, and suggests possible responses.
Author : Anonim
Publisher : Unknown
Page : 44 pages
File Size : 40,7 Mb
Release : 1988
Category : Bank examination
ISBN : IND:30000068284193
Author : John F. Bovenzi
Publisher : John Wiley & Sons
Page : 237 pages
File Size : 50,7 Mb
Release : 2015-02-02
Category : Business & Economics
ISBN : 9781118994085
Witness how the FDIC manages your money during financial crises Inside the FDIC tells the real stories behind bank failures and financial crises to provide a direct account of the Federal Deposit Insurance Corporation and other bank regulators. Author John Bovenzi served in senior level positions within the FDIC for over twenty years, including a decade as the Deputy to the Chairman and Chief Operating Officer. This book describes what he witnessed as the person in charge of day-to-day operations, as a nearly invisible agency grew to become a major, highly independent force impacting US financial markets. Readers will learn how the FDIC and other bank regulators use the power of the federal government, spend other people's money, and approach decision-making. This book takes readers inside the FDIC to showcase: The FDIC's emergence as a major market influence How ten FDIC chairmen helped shape the US financial regulatory system Internal conflicts between the FDIC and other bank regulatory agencies Pressures and challenges presented by financial crises Since the early 1980s, over 3,400 banks have failed. These failures weren't steady, regular, and easily predictable events; periods of tranquility were followed by turmoil, booms led to busts, and peaceful complacency often turned to sudden devastation. Inside the FDIC chronicles it all, from the perspective of a first hand witness inside the agency responsible for calming the storm.
Author : Sangkyun Park
Publisher : Routledge
Page : 218 pages
File Size : 53,6 Mb
Release : 2014-04-16
Category : Business & Economics
ISBN : 9781136300769
This volume examines the vulnerability of sound banks during financial crises helps understand the nature of financial crises and other banking issues traces the history of banking reform in the United States from 1933 until 1992 discusses deregulation in the US banking system
Author : Darrell Duffie
Publisher : Princeton University Press
Page : 108 pages
File Size : 54,6 Mb
Release : 2010-10-18
Category : Business & Economics
ISBN : 9781400836994
A leading finance expert explains how and why big banks fail—and what can be done to prevent it Dealer banks—that is, large banks that deal in securities and derivatives, such as J. P. Morgan and Goldman Sachs—are of a size and complexity that sharply distinguish them from typical commercial banks. When they fail, as we saw in the global financial crisis, they pose significant risks to our financial system and the world economy. How Big Banks Fail and What to Do about It examines how these banks collapse and how we can prevent the need to bail them out. In sharp, clinical detail, Darrell Duffie walks readers step-by-step through the mechanics of large-bank failures. He identifies where the cracks first appear when a dealer bank is weakened by severe trading losses, and demonstrates how the bank's relationships with its customers and business partners abruptly change when its solvency is threatened. As others seek to reduce their exposure to the dealer bank, the bank is forced to signal its strength by using up its slim stock of remaining liquid capital. Duffie shows how the key mechanisms in a dealer bank's collapse—such as Lehman Brothers' failure in 2008—derive from special institutional frameworks and regulations that influence the flight of short-term secured creditors, hedge-fund clients, derivatives counterparties, and most devastatingly, the loss of clearing and settlement services. How Big Banks Fail and What to Do about It reveals why today's regulatory and institutional frameworks for mitigating large-bank failures don't address the special risks to our financial system that are posed by dealer banks, and outlines the improvements in regulations and market institutions that are needed to address these systemic risks.
Author : Benton E. Gup
Publisher : Bloomsbury Publishing USA
Page : 190 pages
File Size : 42,5 Mb
Release : 1998-06-18
Category : Business & Economics
ISBN : 9780313007903
Bank failures, near failures, and crises are common throughout the world, and particularly in the major G-10 trading countries, including the United States, Germany, and Japan. But equally common are the bailouts by national governments, when they perceive that bank failure will result in severe economic distress. Gup examines these events, focusing on happenings in the particularly volatile years since 1980, and finds that nonperforming real estate loans, even more than fraud, are the primary cause. His wide-ranging investigation casts doubt on the effectiveness of bank regulation and makes clear that with globalization and emerging technologies, change in regulatory methods is needed. This book is essential for scholars, students as well as professionals in international banking, finance, investment, and world trade.
Author : Gary H. Stern,Ron J. Feldman
Publisher : Rowman & Littlefield
Page : 247 pages
File Size : 41,6 Mb
Release : 2004-02-29
Category : Business & Economics
ISBN : 9780815796367
The potential failure of a large bank presents vexing questions for policymakers. It poses significant risks to other financial institutions, to the financial system as a whole, and possibly to the economic and social order. Because of such fears, policymakers in many countries—developed and less developed, democratic and autocratic—respond by protecting bank creditors from all or some of the losses they otherwise would face. Failing banks are labeled "too big to fail" (or TBTF). This important new book examines the issues surrounding TBTF, explaining why it is a problem and discussing ways of dealing with it more effectively. Gary Stern and Ron Feldman, officers with the Federal Reserve, warn that not enough has been done to reduce creditors' expectations of TBTF protection. Many of the existing pledges and policies meant to convince creditors that they will bear market losses when large banks fail are not credible, resulting in significant net costs to the economy. The authors recommend that policymakers enact a series of reforms to reduce expectations of bailouts when large banks fail.
Author : Christian Dinesen
Publisher : Springer Nature
Page : 304 pages
File Size : 41,8 Mb
Release : 2020-01-27
Category : Business & Economics
ISBN : 9783030358242
Offering a historical analysis of management in banking from the Medici to present day, this book explores how banks can cause devastating financial crisis when they fail. Rather than labelling management as ‘good’ or ‘bad’, the author focuses on the concept of absent management, which can occur as a result of complexity. The complexity of banking, which intensified alongside the phenomenal growth of banks in the 20th and 21st centuries, resulted in banks that are mismanaged or, at times, even unmanaged. Drawing on business school case studies including Barings and Lehman Brothers, this book showcases how absent management in banking has caused crises, depressions and recessions, and how ultimately it will continue to do so.
Author : Zuzana Fungacova,Rima Turk,Laurent Weill
Publisher : International Monetary Fund
Page : 33 pages
File Size : 48,6 Mb
Release : 2015-05-06
Category : Business & Economics
ISBN : 9781475581805
We formulate the “High Liquidity Creation Hypothesis” (HLCH) that a proliferation in the core activity of bank liquidity creation increases failure probability. We test the HLCH in the context of Russian banking, which provides a natural field experiment due to numerous failures experienced over the past decade. Using Berger and Bouwman’s (2009) liquidity creation measures as a comprehensive proxy for overall bank output, we find that high liquidity creation significantly increases the probability of bank failure; this finding survives multiple robustness checks. Our results suggest that regulatory authorities can mitigate systemic distress and reduce the costs of bank failures to society through early identification of high liquidity creators and enhanced monitoring of their funding and investment activities.
Author : Joan Edelman Spero
Publisher : Beard Books
Page : 252 pages
File Size : 44,7 Mb
Release : 1999
Category : Business & Economics
ISBN : 1893122344
Author : Jose E. Gomez-Gonzalez,Nicholas M. Kiefer
Publisher : Unknown
Page : 36 pages
File Size : 49,6 Mb
Release : 2007
Category : Bank failures
ISBN : UCSD:31822034345116
"Bank-specific determinants of bank failure during the financial crisis in Colombia are identified and studied using duration analysis. The process of failure of banks and related financial institutions during that period can be explained by differences in financial health and prudence across institutions. The capitalization ratio is the most significant indicator explaining bank failure. Increases in this ratio lead to a reduction in the hazard rate of failure at any given moment in time. This ratio exhibits a non-linear component. At lower levels of capitalization small differences in capitalization are associated with larger differences in failure rates. Our results thus provide empirical support for existing regulatory practice. Other important variables explaining bank failure dynamics are the bank's size and profitability"--Abstract
Author : Sten Jonsson
Publisher : Routledge
Page : 341 pages
File Size : 44,9 Mb
Release : 2019-04-12
Category : Business & Economics
ISBN : 9780429575624
Starting with Medici and Fugger and ending with Barings and Royal Bank of Scotland under neo-liberal de-regulation, the author gives an account of how a number of banks failed over a 500 year-period. The author offers an explanation of the leading ideas about the world and good society at the time, and summarizes this narrative using Streeck & Schmitter’s three bases for regulation of society: Community (spontaneous solidarity), State (hierarchical control), and Market (dispersed competition). The bank failures are presented in the context of social philosophies of the day (scholasticism, mercantilism, neo-liberalism, and libertarianism), and the changing business practices (Bills of Exchange, rents and financial instruments of various kinds). The dominating explanation of financial crises has been market-related. Here, the author argues that managerial failures are an important contributor. He demonstrates the failure of management to act on early signals such as existential risk, strategic stress syndrome, and lack of proper oversight by top management. The author encourages a return to ethical principles for banks, suggesting that his ethical aspect should be at the core of the credit process of banks in the future. With its interdisciplinary approach, this book will be an important contribution to the discussion surrounding bank failures. It will interest any scholar looking at the origins of financial crises and will be particularly useful for post-graduate students of economic and financial history, banking, finance and accounting.
Author : Thorsten Beck,Luc Laeven
Publisher : World Bank Publications
Page : 34 pages
File Size : 49,6 Mb
Release : 2006
Category : Bancos
ISBN : 8210379456XXX
"There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role of the deposit insurer. The authors use quantitative analysis for 57 countries and discuss specific country cases to illustrate this variation. Using data for over 1,700 banks across 57 countries, they show that banks in countries where the deposit insurer has the responsibility of intervening failed banks and the power to revoke membership in the deposit insurance scheme are more stable and less likely to become insolvent. Involvement of the deposit insurer in bank failure resolution thus dampens the negative effect that deposit insurance has on banks' risk taking. "--World Bank web site.