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Abstract: Deposit Ceilings and the Efficiency of Financial Intermediation

Published online by Cambridge University Press:  19 October 2009

Lewis J. Spellman
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Extract

Concern for the social objective of an efficient financial system led several researchers durnng the 1960's to study economies of scale in financial intermediation. These studies were used to draw inferences regarding an optimal structure of financial institutions. Today, there is added reason for the concern for the social cost of providing financial intermediary services. Since 1966, deposit rate controls have been extended to savings and loan associations as well as other thrift institutions whereas the Banking Act of 1933 had previously extended these controls to commercial banks.

Type
VII. Financial Institutions
Information
Journal of Financial and Quantitative Analysis , Volume 11 , Issue 4 , November 1976 , pp. 571
Copyright
Copyright © School of Business Administration, University of Washington 1976

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