Podcast
Questions and Answers
Regulation is like ______ in cooking.
Regulation is like ______ in cooking.
salt
The free rider problem is ______ by regulation.
The free rider problem is ______ by regulation.
solved
Regulation creates another ______ info problem.
Regulation creates another ______ info problem.
asymmetric
Depositers know ______ about the types/quality/risk of loans a bank makes.
Depositers know ______ about the types/quality/risk of loans a bank makes.
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Bank ______ happen to good and bad banks.
Bank ______ happen to good and bad banks.
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The ______ in the details of regulation is a major concern.
The ______ in the details of regulation is a major concern.
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Bank failures and bank panics can result in a lower level of financial ______.
Bank failures and bank panics can result in a lower level of financial ______.
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The ______ provides protection to prevent runs/panics by providing insurance.
The ______ provides protection to prevent runs/panics by providing insurance.
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In the US, the FDIC was established in ______.
In the US, the FDIC was established in ______.
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As of present, deposit insurance is ______ per depositor.
As of present, deposit insurance is ______ per depositor.
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In the Philippines, deposit insurance insures up to ______ pesos per depositor.
In the Philippines, deposit insurance insures up to ______ pesos per depositor.
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Under the Payoff Method, depositors get ______% of each dollar for accounts greater than 250,000.
Under the Payoff Method, depositors get ______% of each dollar for accounts greater than 250,000.
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Merger is a deal in which one bank assumes all ______ and equity of another bank.
Merger is a deal in which one bank assumes all ______ and equity of another bank.
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The FDIC provides subsidized ______ to help banks in trouble.
The FDIC provides subsidized ______ to help banks in trouble.
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The ______ effect of a purchase and assumption is that insurance covers all liabilities and deposits.
The ______ effect of a purchase and assumption is that insurance covers all liabilities and deposits.
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The FDIC entered into a loss-share transaction with First Citizens on the commercial ______ of former SVBB.
The FDIC entered into a loss-share transaction with First Citizens on the commercial ______ of former SVBB.
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Tech companies ran to get their uninsured ______ out of the failed bank.
Tech companies ran to get their uninsured ______ out of the failed bank.
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General Bank and Trust Company was acquired by ______ Bank (Lucio Tan) in 1976.
General Bank and Trust Company was acquired by ______ Bank (Lucio Tan) in 1976.
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Banks are not allowed to fail because of the ______ of banking crises.
Banks are not allowed to fail because of the ______ of banking crises.
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World Bank Research suggests that deposit insurance is associated with ______ banking sector stability.
World Bank Research suggests that deposit insurance is associated with ______ banking sector stability.
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Deposit insurance gives incentives for banks to increase ______ activities.
Deposit insurance gives incentives for banks to increase ______ activities.
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The absence of ______ of law is a characteristic of a weak institutional environment.
The absence of ______ of law is a characteristic of a weak institutional environment.
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Government safety net creates a problem of ______ because depositors do not impose discipline.
Government safety net creates a problem of ______ because depositors do not impose discipline.
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The risk of losing their money is reduced through ______ and/or safety net
The risk of losing their money is reduced through ______ and/or safety net
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Financial institutions have an incentive to take on greater ______
Financial institutions have an incentive to take on greater ______
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Risk-lovers find banking more attractive – a fall back ______
Risk-lovers find banking more attractive – a fall back ______
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Too big to ______ is a drawback of government safety net
Too big to ______ is a drawback of government safety net
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FDIC guaranteed depositors up to $______;
FDIC guaranteed depositors up to $______;
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Financial consolidation leads to bigger more complex ______ organizations
Financial consolidation leads to bigger more complex ______ organizations
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