Challenges to the Dual Banking System:
The Funding of Bank Supervision | PDF File (152k) by Christine E. Blair and Rose M. Kushmeider
Most observers of the U.S. financial regulatory system would agree that if it did not exist, no one would invent it. Most, however, would also admit that the system--despite all its faults--has served both the financial services industry and consumers well. This paper looks at arguments for and against reform in the context of changes taking place within the industry and around the world in other financial regulatory systems.
Troubled Banks: Why Don't They All Fail? | PDF File (138k) by Robert Oshinsky and Virginia Olin
This article focuses on troubled banks to create a four-state model that predicts failure and three alternative outcomes to failure: recovery, merger, and continuation as a problem. The results show that the four-state model not only predicts failure, but also offers more information about the possible future states of problem banks than a two-state model can.
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Martin J. Gruenberg
Director, Division of Insurance
Arthur J. Murton
Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider