tailieunhanh - Thrift Involvement in Commercial and Industrial Lending

The Institutional System of Protection (ISP), established by Decree-law 6/2010 offers an effective instrument to bring together a group of credit entities in order to pool their risk management strategies and develop risk sharing strategies. In the special case of saving banks, this system is organised around a central entity in the form of a commercial bank which will pool their risk management strategies, risk sharing and will have full access to financial markets, including raising capital. Thus, the ISP increases the ability to access markets in order to obtain equity. The reform strengthens the commitment on stability and. | Thrift Involvement in Commercial and Industrial Lending Steven J. Pilloff and Robin A. Prager of the Board s Division of Research and Statistics prepared this article. Michael Howell provided research assistance. The rapid pace of mergers and acquisitions among financial instiiutions in recent xx i tr has heightened the need to understand competition in banking markets. Questions often arise as to the most appropriate ways to measure competition. One particular issue that has received attention from the bank regulators and antitrust officials who am ỉ y the competitive effects of proposed bank mergers is the weight that should be given to thrift institutions as actual or potential competitors of commercial banks in the provision of nancial services. The question arises because historically the menu of ĩ 1 s er ãi offered by thrift institutions has been more limited than that offered by commercial banks. Thrift institutions savings and loan associations and savings banks are rmancĩaỉ 11 0100101 1 thaa raise funds primarily through time and savings deposits and invest principally in residential mortgages and consumer loans. Their focus on consumer accounts and loans as opposed to business accounts and loans is largely attributable to historical factors. Thrift institutions arose in the early nineteenth century to satisfy an unmet demand for small savings accounts and home mortgages in an era when commercial banks had little interest in these lines of business. Savings and loan associations originally called building and loan societies were established to enable wage earners to obtain funds to build or purchase homes. Their balance sheets consisted primarily of residential mortgages on the asset side and savings shares on the liability side. Savings banks were established to encourage savings by poorer members of the working class. Their liabilities consisted mainly of savings deposits and their assets were somewhat more diversi ed than those of savings and loan .

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