The Transformation of Commercial Banking in the United States, 1956-1991

by James E. Mason

Overview

First published in 1998. A profound transformation of the commercial banking industry has occurred in recent years. The consolidation of local, independent banks into multi-bank holding company structures has altered the landscape of commercial banking. The Transformation of Commercial Banking in the United States, 1956-1991 focuses on the effect of restrictive state branch banking laws on the consolidation of commercial banks in the United States. The central thesis of this study is that much of the change in the structure of commercial banking can be explained by the variation in state branch banking laws.

Product Details

ISBN-13:	9781136747250
Publisher:	Taylor & Francis
Publication date:	12/01/1997
Series:	Financial Sector of the American Economy
Sold by:	Barnes & Noble
Format:	eBook
Pages:	172
File size:	7 MB

About the Author

James Eliot Mason

Table of Contents

List of Tables, Chapter 1: Introduction, Chapter 2: Theory of Change in Commercial Banking, Chapter 3: The Regulatory History of Commercial Banking, Chapter 4: Structural Change in Commercial Banking, Chapter 5: Comparative Analysis of Bank Financial Performance aross Bank Forms and State Branch Banking Regimes, Chapter 6: The Legitimation of the Bank Holding Company Form and Change in State and Federal Branch Banking Laws, Chapter 7: Conclusions, Appendix 1: Interpretation of Differential Equation Models, References, Index

Editorial Reviews

Analyzes the consolidation of local, independent banks into multi-bank holding company structures. Argues that variation in restrictive state bank branching laws is the primary explanation for the forms of the consolidation of commercial banks. The volume covers a theoretical framework drawn from sociological and economic institutional theory, organizational ecology, and collective action and managerial theory; the regulatory history of commercial banking; an analysis of bank holding company founding, acquisition, and failure rates; and a comparative analysis of performance by types of bank form and state regulatory law. Annotation c. by Book News, Inc., Portland, Or.

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