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首页> 美国政府科技报告 >FDIC Center for Financial Research Working Paper No. 2005-07. The Depositor Behind the Discipline: A Micro-Level Case Study of Hamilton Bank
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FDIC Center for Financial Research Working Paper No. 2005-07. The Depositor Behind the Discipline: A Micro-Level Case Study of Hamilton Bank

机译：FDIC金融研究中心第2005-07号工作文件。学科背后的存款人：汉密尔顿银行的微观案例研究

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摘要

Though uninsured depositors are recognized as a source of market discipline, the possible disciplinary effect of decisions made by fully insured depositors have gone largely unexamined. Using proprietary administrative deposit data at the account level, this paper analyzes depositor behavior at a recently failed institution. The results suggest that although uninsured deposits exited at a greater rate than insured deposits, the vast majority of deposits withdrawn were fully insured. Among types of deposit accounts, the rates of withdrawal for fully insured individual, joint, and trust accounts were relatively high. Uninsured business account owners were highly sensitive to the banks deteriorating condition. In contrast, owners of uninsured individual retirement accounts effectively exerted no market discipline.

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