The U. S. system of banking historically led to many more banks that were smaller in size and operated with few branches. Why did the U. S. banking system develop so differently from that of other countries? What factors have brought about a change in the U. S. system that makes it look more like other countries?
Answer to relevant QuestionsExplain the following terms and explain why they were important during the housing and credit crisis of 2007– 2009. Securitization Subprime loan Asset write- down 3. What are the advantages of a depository institution having many branches in a city or state as opposed to just one main office location? What are the disadvantages? Is the purpose of commercial bank regulation to prevent bank failures? Explain. What ratios on common sized financial statements would indicate a small bank versus a large, multibank holding company? Cite at least five. Identify several large foreign institutions that are major lenders in the United States. Do any have a basic competitive advantage over U. S. commercial banks? Explain.
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