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Strengthening Financial Risk Management at the FDIC

机译：加强FDIC的金融风险管理

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Since 1933, the FDIC's mission has been to protect depositors and promote the 'safety and soundness of insured depository institutions and the U.S. financial system by identifying, monitoring, and addressing risks to the deposit insurance funds.' While the specifics risks to the insurance funds have changed over time - overextension in the 1980s, consolidation in the 1990s, subprime lending today - the need for an effective risk management capability has not. The rapid pace of change in both the banking system and domestic and global capital markets presents special challenges to this mission and demands that the FDIC constantly and continually upgrade its risk management metrics, policies, systems, and organization to remain effective. The economic climate in the United States has put mounting pressure on banks, their customers, and the FDIC. In 2002, more banks failed than in any year since 1994. The number of 'problem institutions' on the FDIC's reserve list, one of many indicators of financial strain in the banking system, rose significantly in each of the last 3 years, with aggregate assets at these institutions quadrupling since 1998 to $39 billion at year end 2002. The FDIC's Bank Insurance Fund (BIF) reserve ratio, meanwhile, has dropped markedly over the last 4 years to a current level of 1.28 percent - slightly above the legal minimum.

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