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FDIC Banking Review

2005 Volume 17, No. 3

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China’s Opening to the World: What Does It Mean for U.S. Banks? PDF (131k)
by Valentine V. Craig

China has agreed to open its financial system to full foreign competition in December 2006. What does this financial opening mean for foreign banks? This article examines in detail the abundant opportunities and significant risks of entry into the Chinese market for U.S. banks.

Overview of Recent Developments in the Credit Card Industry PDF (96k)
by Douglas Akers, Jay Golter, Brian Lamm, and Martha Solt

Recent events that may change the dynamics of the credit card industry are described and analyzed.

A Moving-Average Formula for Calculating Deposit Insurance Assessments PDF (91k)
by Panos Konstas

This article examines the level and volatility of the assessment rates that would have been imposed if the current assessment policy had been in effect when the FDIC first began operations in 1934, and proposes an alternative approach for setting deposit insurance assessment rates that uses a moving-average formula. This approach would smooth the extremes in the high assessment rates required under the current policy, thus helping the banking industry through cyclical fluctuations.

Banking Review - 2005 - Vol. 17 No. 3, Full Edition (267k)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Chairman Donald E. Powell
Director, Division of Insurance and Research Arthur J. Murton
Deputy Director Donald Inscoe
Managing Editor Jack Reidhill
Editorial Committee Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider
Publication Manager Geri Bonebrake



Last Updated 12/13/2005 Questions, Suggestions & Requests