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FDIC Banking Review

2006 Volume 18, No. 1

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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.

Banking Review - 2006 - Vol. 18 No. 1, Full Edition - PDF File (262k)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Acting Chairman Martin J. Gruenberg
Director, Division of Insurance and Research Arthur J. Murton
Deputy Director Donald Inscoe
Managing Editor Jack Reidhill
Editorial Committee Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider
Publication Manager Geri Bonebrake



Last Updated 3/31/2006 Questions, Suggestions & Requests