An exploratory empirical analysis of the impact of the Federal Deposit Insurance Corporation Improvement Act of 1991 on bank failures in the United States

Richard Cebula ()

Applied Financial Economics, 1997, vol. 7, issue 6, 695-701

Abstract: This study examines the impact of the Federal Deposit Insurance Corporation Improvement Act of 1991 on bank failures in the United States. After summarizing a number of the most important provisions in this legislation and presenting certain relevant data, the study provides an exploratory empirical analysis that allows for variables such as the cost of deposits and other interest rates, capital/asset ratios, federal deposit insurance coverage, real GDP growth, and increased competition within the industry. The reduced-form estimates find that the statute in question appears to have reduced the failure rate of commercial banks in the United States

Date: 1997
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DOI: 10.1080/758533862

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