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Regulation and instability in U.S. commercial banking : a history of crises

Record Type:	Electronic resources : monographic
Title Information:	a history of crises
Author:	HendricksonJill M., 1965-
Secondary Intellectual Responsibility:	Palgrave Connect (Online service)
Place of Publication:	Houndmills, Basingstoke, Hampshire New York
Published:	Palgrave Macmillan;
Year of Publication:	2011
Description:	1 online resource (xvi, 296 p.)ill., map. :
Series:	Palgrave Macmillan studies in banking and financial institutions
Subject:	Banks and banking - State supervision - United States -
Subject:	Bank failures - History. - United States -
Subject:	Banking law - History. - United States -
Subject:	Financial crises - History. - United States -
Subject:	BUSINESS & ECONOMICS - Banks & Banking. -
Online resource:	http://www.palgraveconnect.com/doifinder/10.1057/9780230295131An electronic book accessible through the World Wide Web; click for information
Notes:	Includes index.
Summary:	Financial crises take us by surprise and make us ask how this could have happened. We also immediately try to understand how crises can be kept from reoccurring. In the United States, the response to a bank crisis has always been more regulation. This book seeks to understand the history of bank crises and to reconcile how, over the course of history, we have more regulation and heightened instability. From the antebellum era through the most recent real estate driven bank crisis, this book carefully considers the relationship between regulation and bank stability. In the end, the regulation stifles competition and inadvertently encourages banks to take on additional risk. As regulators and policymakers contemplate their response to the 2007-2009 crisis, the certain tendency will be towards more regulation. Unfortunately, this response inevitably will lead to another crisis in the future.
ISBN:	9780230295131electronic bk.
ISBN:	0230295134electronic bk.
Content Note:	Commercial Bank Instability Theories of Bank Regulation Antebellum Banking: 1781-1863 National Banking Era: 1864-1912 Era of Instability and Change: 1913-1944 Postwar Banking Era and Regulatory Response: 1945-1999 Banking and Crisis in the Twenty-First Century: 2000-2010 Lessons From the History of U.S. Banking and Regulation.

Regulation and instability in U.S. commercial banking : a history of crises
Hendrickson, Jill M.

Regulation and instability in U.S. commercial banking : a history of crises / Jill M. Hendrickson. - Houndmills, Basingstoke, Hampshire New York : Palgrave Macmillan, 2011. - 1 online resource (xvi, 296 p.) ; ill., map.. - (Palgrave Macmillan studies in banking and financial institutions).
Commercial Bank Instability.
Includes index.Description based on print version record..
Includes bibliographical references and index..
ISBN 9780230295131ISBN 0230295134
Banks and bankingBank failuresBanking lawFinancial crisesBUSINESS & ECONOMICS -- State supervision -- History. -- History. -- History. -- Banks & Banking. -- United States -- United States -- United States -- United States

Regulation and instability in U.S. commercial banking : a history of crises
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200 1 $a Regulation and instability in U.S. commercial banking $e a history of crises $f Jill M. Hendrickson.
204 1 $a electronic resource
210 $a Houndmills, Basingstoke, Hampshire New York $d 2011 $c Palgrave Macmillan
215 1 $a 1 online resource (xvi, 296 p.) $c ill., map.
225 1 $a Palgrave Macmillan studies in banking and financial institutions
300 $a Includes index.
300 $a Description based on print version record.
320 $a Includes bibliographical references and index.
327 1 $a Commercial Bank Instability $a Theories of Bank Regulation $a Antebellum Banking: 1781-1863 $a National Banking Era: 1864-1912 $a Era of Instability and Change: 1913-1944 $a Postwar Banking Era and Regulatory Response: 1945-1999 $a Banking and Crisis in the Twenty-First Century: 2000-2010 $a Lessons From the History of U.S. Banking and Regulation.
330 $a Financial crises take us by surprise and make us ask how this could have happened. We also immediately try to understand how crises can be kept from reoccurring. In the United States, the response to a bank crisis has always been more regulation. This book seeks to understand the history of bank crises and to reconcile how, over the course of history, we have more regulation and heightened instability. From the antebellum era through the most recent real estate driven bank crisis, this book carefully considers the relationship between regulation and bank stability. In the end, the regulation stifles competition and inadvertently encourages banks to take on additional risk. As regulators and policymakers contemplate their response to the 2007-2009 crisis, the certain tendency will be towards more regulation. Unfortunately, this response inevitably will lead to another crisis in the future. $a "The historical response to bank crises has always been more regulation. A pattern emerges that some may find surprising: regulation often contributes to bank instability. It suppresses competition and effective response to market changes and encourages bankers to take on additional risk. This book offers a valuable history lesson for policy makers"--
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606 $a Bank failures $x History. $y United States $3 303465
606 $a Banking law $x History. $y United States $3 303466
606 $a Financial crises $x History. $y United States $3 303467
606 $a BUSINESS & ECONOMICS $x Banks & Banking. $2 bisacsh $3 303426
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700 1 $a Hendrickson $b Jill M. $f 1965- $3 303463
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856 4 0 $3 Palgrave Connect $u http://www.palgraveconnect.com/doifinder/10.1057/9780230295131 $z An electronic book accessible through the World Wide Web; click for information