The effect of industry consolidation and deposit insurance reform on the resiliency of the U.S. bank insurance fund

2009 ◽  
Vol 5 (1) ◽  
pp. 57-88 ◽  
Author(s):  
Kenneth D. Jones ◽  
Robert C. Oshinsky
Keyword(s):  
Deposit Insurance ◽  
Insurance Fund ◽  
Insurance Reform ◽  
Industry Consolidation ◽  
The U.S

The Reform of Federal Deposit Insurance

1989 ◽  
Vol 3 (4) ◽  
pp. 11-29 ◽  
Author(s):  
Lawrence J White
Keyword(s):  
Commercial Banks ◽  
Deposit Insurance ◽  
Current System ◽  
The United States ◽  
Government Agency ◽  
Insurance Fund ◽  
Financial Condition ◽  
Savings And Loan ◽  
Federal Deposit Insurance ◽  
The U.S

In early 1989, the system of deposit insurance in the United States was in crisis. The Federal Savings and Loan Insurance Corporation (FSLIC), the U.S. government agency that provided deposit insurance for savings and loan (thrift) institutions, had sustained massive losses from the insolvencies of hundreds of thrifts. Tens of billions of dollars of general Treasury revenues will be necessary to make good the losses in the insurance fund, which had previously been financed solely through premiums assessed on thrifts' deposits. The Federal Deposit Insurance Corporation (FDIC), which provides similar insurance for deposits in commercial banks, has sustained much smaller losses but is considered to be in poor enough financial condition that its premium assessments will increase substantially. This article will review the current system of deposit insurance and advocate a set of necessary reforms.

Deposit insurance reform: What are the issues and what needs to be fixed?

1991 ◽  
Vol 15 (4-5) ◽  
pp. 735-752 ◽  
Author(s):  
Mitchell Berlin ◽  
Anthony Saunders ◽  
Gregory F. Udell
Keyword(s):  
Deposit Insurance ◽  
Insurance Reform
Sign in / Sign up

Export Citation Format

Share Document