Topic: Banking
Rise of Nonbank Lenders Undermines Community Reinvestment Act Effectiveness
Traditional banks pull out of lower- and median-income neighborhoods the federal program aims to help
A Quiet Expansion of Deposit Insurance Could Disrupt U.S. Banking
Seen as a backstop to small- and midsized banks, the program, allowing insurance in multiples of $250,000, alters banking’s risk calculus
CD Withdrawal Penalties: Often More Than Worth the Risk
Banks know you won’t do the math: Even after a penalty for early withdrawal, the longer-term CD often nets out to a better deal
How Banking’s Bifurcated Deposit Approach Is Altering Lending — and Risk
Offering higher deposit rates lessens emphasis on loans of fixed rate and longer maturity
Cashless Payments: Faster Transactions, Easier Borrowing and Increased Household Income
System provides digital record of payments for India’s vast self-employed ranks, satisfying lenders, and raising the likelihood of starting a business
Why Do Banks With Little Skin in the Game Still Monitor Borrowers?
Tax policy change triggers an incentive for lenders to be more aggressive
Why Big Banks Can Pay Less on Deposits
Their level of technology and services makes up for it; it’s vice versa with little banks
Can Banks, Disrupted by Fintech, Adopt New Habits, Too?
In China, patent data shows commercial banks’ use of new technologies helps improve efficiency and reduce risk
Local Banks Provide an Early Warning System on Recessions
When they’re forced to pay up for deposits, it’s a bad sign for area’s economy
Mobile Banking, a Boon to Many, Disadvantages Those Who Bank at Branches
Banks close neighborhood outlets and raise prices for branch-delivered services
Looming Risk to Financial System: $1 Trillion in Commercial Loan Pools
Known as collateralized loan obligations, their aim is actually to reduce risk
Banks Transmit Financial Shocks, Including from Natural Disasters
How a localized flood may result in fewer loans to a far-off community
In a Crisis, Solvent Borrowers are Overcharged, Subsidizing Troubled Bank Clients
An unusual data trove from Greece’s economic collapse reveals the practice
Sorting Out Conflicts of Interest in Commercial Loan Syndicates
Syndicate voting rules reflect varying levels of trust and familiarity
Banks, Freed to Operate Across State Lines, Helped Stabilize the Economy
Lenders financed expansion in some markets, offsetting problems in others
Banks Rent Out Their Balance Sheets — So Derivatives Cost More
Even before Dodd-Frank rules, the costs were significant