Banking Regulation
From Wikipedia, the free encyclopedia
Banks and other type financial intermediaries provide the most valuable intermediation function in the economy. That is, the excess funds are channeled from depositors to firms and entrepreneurs. The safety and soundness of financial markets is vital for the efficient and smooth functioning of the whole economy. For this reason, banking is the most regulated industry in the U.S. and elsewhere.
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[edit] Banking Regulatory Agencies in the U.S.
In the U.S. some of the agencies involved in banking regulation are
[edit] Basic components of Banking Regulation
Basic categories of banking regulation are
- Deposit insurance
- Capital requirements
- Chartering
- Disclosure requirements
- Branching restrictions
[edit] References
- Mishkin, F. S. and S. G. Eakins (2002), Financial markets and Institutions, 4th edition, Addison Wesley.
[edit] See Also
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