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Safety, soundness, and the evolution of the U.S. banking industry

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  • Robert DeYoung
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    Abstract

    Although the banking system appears to be safer and sounder today than it was two decades ago, new risk challenges have arisen that could not have been anticipated in the 1980s. This article outlines the fundamental structural changes in the U.S. commercial banking industry since then. ; The author's strategic analysis of the current state of the industry compares the "transactions banking" business model practiced by large financial companies to the more traditional relationship-based banking business model. In particular, the author focuses on the different production technologies, product mixes, strategic behaviors, and risk-return trade-offs that characterize these two opposite approaches. In closing, the article discusses what these new developments may mean for the industry's ongoing safety and soundness.

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    File URL: http://www.frbatlanta.org/filelegacydocs/erq107_DeYoung.pdf
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    Bibliographic Info

    Article provided by Federal Reserve Bank of Atlanta in its journal Economic Review.

    Volume (Year): (2007)
    Issue (Month): Q1-2 ()
    Pages: 41 - 66

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    Handle: RePEc:fip:fedaer:y:2007:i:q1-2:p:41-66:n:v.92nos.1-2

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    Related research

    Keywords: Banks and banking ; Bank supervision;

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    Cited by:
    1. Lee, Peter K.C. & Cheng, T.C. Edwin & Yeung, Andy C.L. & Lai, Kee-hung, 2011. "An empirical study of transformational leadership, team performance and service quality in retail banks," Omega, Elsevier, vol. 39(6), pages 690-701, December.

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