Recent De Novo Bank Failures: How Important Is Supervisor Choice?

ISBN-13: 9781505381849 / Angielski / Miękka / 2015 / 44 str.

Gary W. Whalen

Opis

Since 2007, the number of bank failures has soared. A large percentage of the failures involved young banks formed during the mid-1990s amid the wave of new bank charters granted by federal and state banking supervisors. De novo bank supervisory choices could influence their failure risk if charter-related disadvantages exist and are large, or if the ability of banks to choose among multiple supervisors results in more lenient supervision and facilitates greater bank risk-taking.