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Breaking up the bank: rethinking an industry under siege

Author: Bryan, Lowell L. Publisher: Business One Irwin, 1988.Language: EnglishDescription: 209 p. : Graphs ; 24 cm.ISBN: 155623144XType of document: BookBibliography/Index: Includes bibliographical references and index
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Item type Current location Collection Call number Status Date due Barcode Item holds
Book Europe Campus
Main Collection
Print HG1500.33 .U7 B79 1988
(Browse shelf)
Available 001266993
Total holds: 0

Includes bibliographical references and index


Breaking Up the Bank: Rethinking an Industry Under Siege Contents Introduction PART 1 AN INDUSTRY UNDER SIEGE CHAPTER 1 The Economic Theory of a Bank vii 1 3 Stable, Shared, Net Interest Margin. Shared Spending Practices. Same Capital Pool. The Bottom Line. CHAPTER 2 The Assumptions Break Down 12 Deterioration of the Customer Subsidy. Banking System Response. The Vulnerability of the Bottom Line. CHAPTER 3 Oligopoly to Overcapacity 22 Deregulation Increases Bank and Thrift Power to Compete. Few Competitors Add Unique Value. Regulation Prevents Industry Shakeout, Creating Overcapacity. CHAPTER 4 Protective Regulation Becomes Obsolete 37 Regulation Encourages Unsound Lending. Warning Signals Appear. Regulatory Safety Nets Are Breaking Down. CHAPTER 5 The Breakdown of the Credit System 52 Commercial Banking System Still Viable. Thrift Industry in Extremis. Regulatory Action Inadequate. PART 2 RETHINKING THE BANK CHAPTER 6 Structured Securitized Credit: A Superior Technology for Lending 63 65 What Is Structured Securitized Credit? How Structured Securitized Credit Works. How Fast Securitized Credit Has Grown. Benefits to Current Players. Potential Improvements in the Soundness of the System. CHAPTER 7 Breaking Up the Bank: A New Model 92 The New Model. Value-Based Credit Extension. Value-Added Deposit Taking. CHAPTER 8 Legislative Change and Regulatory Action 105 Existing System Outmoded. Keeping the Present Credit System from Breaking Down. Building the New Regulatory Model. Outstanding Issues. CHAPTER 9 Benefits of the Proposed System 122 Benefits to Customers. Benefits to Banks. Benefits to the Public. PART 3 TAKING ACTION CHAPTER 10 The Will to Act 135 137 Avoid Uneconomic Risk. Embrace the New Technology. Understand Your Business. Go Your Own Way. CHAPTER 11 Charting the Way: Small Institutions 148 The Situation of Smaller Institutions. Unique Values to Build Upon. Breaking Up the Smaller Institution. Taking Action. CHAPTER 12 The Value of Breaking Up the Larger Institutions 161 The Situation of Regionals. The Situation of Money Centers. The Management Challenge. Breaking Up the Bank. CHAPTER 13 Charting the Way: Larger Institutions 176 Classic Banking Roles. Other SelfContained Roles. Holding Company Roles. Taking Action. Technical and Methodological Note and Reference Bibliography Index 193 197 199

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