Bank mergers: what's a policymaker to do?

Article Abstract:

Banking regulators face a daunting task in formulating appropriate guidelines on bank mergers. The key is to analyze and understand the context of the current situation, including the factors driving the consolidation trend as well as the implications of mergers for market structure and customer service. Regulators must exercise caution in dealing with misconduct to prevent taking remedial action against the entire industry even though the violation is incident-specific. In addition, regulators must differentiate self-interest and empirical evidence in evaluating the positive and negative effects of market change caused by bank mergers.

Merger Regulation, Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Acquisitions & Mergers Analysis, Banking Regulation, Laws, regulations and rules, Mergers, acquisitions and divestments, Acquisitions and mergers, Bank mergers, Corporation law, Financial analysis, Banking law

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The theory of financial intermediation

Article Abstract:

The need to reevaluate theories dealing with financial intermediation, which are based on transaction costs and asymmetric information, becomes highly important due to marked changes that have taken place in the financial market for the past 30 years. In the new financial market, the significance of transaction costs and asymmetric information depreciated while intermediation appreciated. The importance of intermediaries not only becomes highly essential in conventional markets but also attributes a very large part of trading in new markets.

Asset & Risk Management, Financial Management, Models, Analysis, Risk management, Financial markets, Financial intermediation

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What do financial intermediaries do?

Article Abstract:

Developments in the financial markets and banking industry in the U.S. have forced the banks to move away from borrowing and lending and to develop new fee-based sources of revenue such as trusts, annuities, mutual funds, mortgage banking, insurance brokerage and transaction services.

United States, Direct Life Insurance Carriers, Financial Corporations, Life insurance, Annuity Insurance, Statistical Data Included, Innovations, Insurance industry, Life insurance industry, Mutual funds, Financial institutions, Trusts and trustees, Trustees, Trusts (Law), Annuities, Business brokerage

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