We empirically analyze the impact of uninsured deposits on a bank’s cost of public debt. Uninsured depositors can exert market discipline over a bank and potentially reduce its agency cost of debt through informed monitoring. We use a sample of public bond issues by U.S. bank holding companies from 1994 to 2013 and find statistically strong evidence that banks with more uninsured deposits relat...

This study  tries to review actual customers of banks and identify the effect of e-CRM system on attracting bank deposits with a scientific method Descriptive statistics to summarize data and describe them and inferential statistical methods such as PLS structural model to intended testing hypotheses, we used to .  The statistical population included all actual customers of Eghtesad Novin, Ayan...

This study  tries to review actual customers of banks and identify the effect of e-CRM system on attracting bank deposits with a scientific method Descriptive statistics to summarize data and describe them and inferential statistical methods such as PLS structural model to intended testing hypotheses, we used to .  The statistical population included all actual customers of Eghtesad Novin, Ayan...

This article presents a simple environment giving rise to banks that create and lend out money. We define money to be any object that circulates widely as a means of payment. In our model, this object takes the form of a fully secured and redeemable bearer bond. This monetary instrument is issued by an agent that can credibly commit to monitoring a pool of real investments; that is, this capita...

banking without usury is a very important object that has been considered by experts and investigated all time. in this writing, we have explored banking debt with known profit and concluded its rightness, based on soling debt right. in this way after lending money the bank sales it to debtor with agreed price. the way is similar about person's lending to bank and thus there is no usury. i...

For most ofthe last 50 years, to promote a safe banking system, the U.S. Congress has imposed interest rate ceilings on bank deposits. Federal legislation passed in the wake of the 1930s banking crisis prohibited banks from paying any interest on checking accounts and authorized the Federal Reserve Board of Governors to set upper limits on the rates banks could offer on time and savings account...

I n a modern economy, a large fraction of payments for goods and services involve the services of one or more banks. The provision of payment services is, in fact, one of the distinguishing characteristics of banks. A bank-intermediated payment instrument, such as a check, typically communicates instructions to the buyer’s bank to make payment to the seller or the seller’s bank. Often, then, we...