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FDIC-sponsored self-insured depositors: using insurance to gain market discipline and lower the cost of bank funding

Konstas, Panos - 2005

loans made under FDIC guarantee would only require interest at the risk-free rate. Thus the loan takers could offer the … banks and impose rate premiums based on each bank's indigenous risk. With these reforms, some very costly imperfections of … hazard and high risk and set the foundation for better disciplined, safer, and more cost-efficient banking. …

Persistent link: https://www.econbiz.de/10010266510

Financial Sector Legislative Reforms Commission (FSLRC) & financial sector regulation in India

Bhagwati, Jaimini; Khan, M. Shuheb; Bogathi, … - 2016

The Financial Sector Reforms Commission (FSLRC) which was set up in 2011 by the Ministry of Finance was mandated to study existing legislation and financial sector regulatory practices in India and to propose improvements. The FSLRC submitted its report in 2013 and four of its members recorded...

Persistent link: https://www.econbiz.de/10011807863

Liberalisation of the insurance sector: An analysis of India and BRICS

Ray, Saon; Bandyopadhyay, Kuntala; Thakur, Vasundhara - 2020

Global diversification of financial institutions, including the insurance sector, has proven beneficial to many economies by providing them with increasing capital flow, higher competition, and introduction of newer technologies and distribution channels. This paper aims to critically evaluate...

Persistent link: https://www.econbiz.de/10012625354

Evolutionary Portfolio Selection with Liquidity Shocks

De Giorgi, Enrico - Institut für Schweizerisches Bankwesen <Zürich>; … - 2004

investment strategy that does not take liquidity shocks into account, exposes insurance companies to the risk of bankruptcy. This …

Persistent link: https://www.econbiz.de/10005858142

Eugster, Patrick; Zweifel, Peter - 2006

This contribution starts out by noting a conflict of interest between consumers and insurers. Consumers face positive correlation in their assets (health, wealth, wisdom, i.e. skills), causing them to demand a great deal of insurance coverage. Insurers on the other hand eschew positively...

Persistent link: https://www.econbiz.de/10010315580

Adverse selection in the annuity market with sequential and simultaneous insurance demand

Brunner, Johann K.; Pech, Susanne - 2002

that different risk-groups prefer different types of contracts, and that only the sequential contracts, which are …

Persistent link: https://www.econbiz.de/10010294532

Adverse selection in the annuity market when payoffs vary over the time of retirement

Brunner, Johann K.; Pech, Susanne - 2000

This paper investigates the effect of adverse selection and price competition on the private annuity market in a model with two retirement periods. In this framework annuity companies can offer contracts with different payoffs over the periods of retirement. Varying the time structure of the...

Persistent link: https://www.econbiz.de/10010294584

Foreign investment, regulatory arbitrage, and the risk of U.S. banking organizations

Frame, W. Scott; Mihov, Atanas; Sanz, Leandro - 2017

international subsidiary locations and risk of U.S. bank holding companies (BHCs). We find that U.S. BHCs are more likely to operate … risk and higher contribution to systemic risk. The quality of BHCs' internal controls and risk management play an important … role in these location choices and risk outcomes. Overall, our study suggests that U.S. banking organizations engage in …

Persistent link: https://www.econbiz.de/10011776828

Wo sind die Grenzen des Marktwachstums von Hedgefonds?

Eling, Martin - Institut für Versicherungswirtschaft <Sankt Gallen> - 2006

In der Literatur wird häufig vermutet, dass eine zunehmende Anzahl Hedgefondseinen negativen Einfluss auf die Renditen dieser Fonds haben könnte. DieserVermutung wird in diesem Beitrag nachgegangen. Wir verfolgen dabei zweiZiele: Zum einen geben wir einen Überblick über die Entwicklung des...

Persistent link: https://www.econbiz.de/10005861512

Stock Exchange Competition in a Simple Model of Capital Market Equilibrium

Ramos, Sofia B.; Thadden, Ernst-Ludwig von - Institut für Schweizerisches Bankwesen <Zürich>; … - 2004

This paper uses a simple model of mean-variance asset pricing with transactions costs to analyze one of the main empirical phenomena in stock market competition in the last years, the decrease of transaction costs. We endogenize transactions costs as variables strategically influenced by stock...

Persistent link: https://www.econbiz.de/10005858015