Thesis (doctoral)--Universität Erlangen, 1913. / Includes bibliographical references (p. [i]-iv).

Thesis (doctoral)--Universität Breslau, 1912. / Includes bibliographical references (p. [vii]-xiv).

Thesis--Paris. / Includes bibliographical references (p. [ix]-xii).

Thesis (Ph. D.)--Georgia State University, 2006. / Title from title screen. James Owers, Stephen D. Smith, committee co-chairs. Electronic text (85 p.) : digital, PDF file. Description based on contents viewed May 7, 2007. Includes bibliographical references (56-58).

This dissertation examines two issues in the theory of banking: the role and efficiency of a monopoly bank in a spatial economy and, the design of a deposit insurance contract. Chapters 2 and 3 of the thesis present the development and analysis of a simple production economy with two types of agents. Lenders have an endowment of one unit of a good that may be consumed or invested in a firm. Firms have access to a project but lack the capital necessary to operate it and thus are forced to borrow: firms' projects are identically independently distributed crosssectionally. A simple information asymmetry prevents efficient contracting by lenders and firms and results in deadweight default costs being incurred. One way these deadweight costs could be avoided is to establish a "delegated monitor"—a bank—who collects deposits from the lenders and makes loans to firms. This may result in an efficiency gain since the firms' projects are Ltd. so, as the bank makes more loans, the probability that it defaults will be lower than the probability that an individual firm defaults. This diversification reduces the probability that the bank will fail and the probability that default costs are incurred. However, I assume that these costs are related to distance. This restricts the bank's ability to diversify and may induce costly strategic behavior on the part of the bank. The bank may also lend 'locally' in that it may attract deposits in a region yet not make loans to firms near those depositors. The social welfare implications of this bank are examined in Chapter 3. The results show that the socially optimal outcome is one that restricts the firms' ability to compete with the bank in the debt market and that credit rationing may also be efficient. Chapter 4 examines a model where a deposit insurance scheme is designed by a regulator whose objective is to maximize social welfare. There is a single bank in the economy which can be one of two types: the true type is unknown to the regulator. The results show that the regulator's efficacy is improved when regular insurance premia are combined with a premia that are refunded to solvent banks—akin to a deposit insurance fund. / Business, Sauder School of / Graduate

No description available.

The aim of this study is to explore the issues surrounding the implementation, monitoring and management of legal deposit in South Africa. Legal deposit is a statutory obligation which requires that a producer of any type of publication which is available to the public, be it a commercial, public or private organisation or an individual, deposit one or more copies of the publication with a recognised national institution. The Legal Deposit Act of 1997 governs the deposit of publications in South Africa. Section 8 of the Legal Deposit Act makes provision for the constitution of a Legal Deposit Committee to oversee the implementation of the Act. This Committee, which consists of a broad spectrum of role players, expressed a need for an investigation into the many issues and questions relating to the provision of publications subject to legal deposit as required by the Legal Deposit Act. Although the Legal Deposit Act, at the time of its promulgation in 1998, was one of the first in the world to make provision for the deposit of electronic publications, this study focuses mainly on the legal deposit of books as this was identified by the Committee as an area of immediate and critical concern. The study begins with a comprehensive literature study to obtain sufficient theoretical information on legal deposit and of the problems and issues surrounding the subject internationally and in South Africa. - An overview of elements and issues covered in legal deposit legislation provides the background against which the investigation into the state of legal deposit and its implementation is undertaken. With the aim of contextualising South African legislative issues, a comparative study of legislation in the United Kingdom, Australia, Malaysia and South Africa is also undertaken. -A discussion of the stages and activities involved in legal deposit, the need for monitoring and enforcement procedures and the external and internal factors that influence the way in which legal deposit is implemented in a country, provides an overall understanding of the legal deposit process -The implementation of legal deposit also depends on the committed participation of various role players. The individual roles and needs of these stakeholders in the legal deposit process are identified. The empirical investigation was conducted in two stages. The first phase of the study involved a survey to explore the attitudes, opinions and actions of publishers and legal deposit libraries, as the two main role players, to determine how these factors affect the successful implementation of legal deposit in South Africa. This forms the bulk of the study. The second phase of the study consisted of a feasibility study to determine the state of compliance with legal deposit in the country The outcomes of the empirical study were used to identify gaps and weaknesses in the current legal deposit system. This formed the basis to make recommendations for the improvement of procedures, methods and services. Areas critical to the successful implementation of a legal deposit system are highlighted. The study concludes with a view to the future. The importance of implementing a sustainable system of legal deposit on which the development of an effective system for the legal deposit of electronic publications can be built, is stressed. / Thesis (DPhil(Information Science))--University of Pretoria, 2008. / Information Science / DPhil / unrestricted

In late 2003 after two financial crises and many years of deliberation, the Russian Government introduced a deposit insurance scheme (DIS) aimed primarily at protecting the savings of the population. The DIS's stated objectives were to protect the right and legal interests of depositors, to strengthen public confidence in the banking system, and to encourage household savings. Recent official assessments of the scheme have been, at best, partial, have tended to use government statistics and have failed to establish a link between the banking sector outputs and the impact of the DIS. This thesis undertakes a detailed evaluation of the Russian DIS based on a comprehensive analysis of vast literature on deposit insurance schemes globally covering rationales for its establishment and its main features, as well as of the relevant Russian legislation and past attempts at evaluating the Russian DIS which were somewhat patchy. Adopting a cross-sectional, mixed methods approach, the study reports on the findings that emerged from a combination of surveys, interviews and observations conducted at six participating Russian banks in spring 2009. These were supplemented by documentary evidence from the banks and the Russian Deposit Insurance Agency. To facilitate the analysis and interpretation of the data, a theoretical framework was devised, and included a set of success criteria and impact indicators. The results of the analysis indicate that the Russian DIS does not appear to have fully achieved its stated objectives. Irrefutably, the Russian Government failed to establish an effective institutional and regulatory environment which could have enforced uniform provision of information about the DIS to retail depositors. This is evidenced by visible differences among bank practices in relation to the implementation of the DIS. Consequently, as a result of these variations in implementation, the retail depositors’ understanding of the DIS and its perceived impact differs depending on which bank they patronise. This research provides a number of original theoretical, empirical, analytical and methodological contributions

No description available.

No description available.