ASSESSING BANK REFORM：FDICIA ON YEAR LATERPDF电子书下载

Introduction and Summary 1

Background of the Act: Intellectual and Political History 17

The Intellectual History of the Federal Deposit Insurance Corporation Improvement Act of 1991 19

FDICIA: The Wheels Came Off on the Road through congress 33

Comments 42

Implementation of the Act: Key Regulations and Regulatory Proposals 51

FDICIA at One: A Troublesome Toddler at Best 53

Implementing FDICIA—An Interim Assessment 59

Comments 69

Comments 79

Two Views from the Policymaking Community 83

The Future of the Banking Industry 85

Capital Standards and the Performance of the U.S. Banking Industry 90

Responses to FDICIA: Banks and Regulators 105

FDICIA from the Bankers' Perspective: Too Much Medicine, Applied Indiscriminately 107

The Culture of Ad Hoc Discretion 113

Comments 122

Comments 126

Where To From Here? 133

Deposit Insurance: Bank to the Future 135

Some Thoughts on the Future of Banking "Reform" 141

FDICIA's Regulatory Changes and the Future of the Banking Industry 148

General Discussion 155