Illinois PhD Jubilee, 1939-1989 PDF Download
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Author: Thomas J. Frecka
Publisher:
ISBN:
Category : Accounting
Languages : en
Pages : 223
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Author: Thomas J. Frecka
Publisher:
ISBN:
Category : Accounting
Languages : en
Pages : 223
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Book Description
Author: Thomas J. Frecka
Publisher:
ISBN:
Category : Accounting
Languages : en
Pages : 238
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Author: Thomas J. Frecka
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Author: British Library. Document Supply Centre
Publisher:
ISBN:
Category : Congresses and conventions
Languages : en
Pages : 984
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Author: George J. Benston
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 144
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Book Description
Financial services, financial firms and financial markets are regulated to a greater extent than most other products and services. In this radical book Professor George Benston provides a comprehensive critique of the justifications for financial services regulation, and provides an innovative proposal for reform. Executive Summary: Financial services, financial firms and financial markets are regulated to a greater extent than most other products and services. Financial service regulation goes back centuries. It provides benefits to governments (for example, from direct and indirect taxation of banks) and to regulated financial institutions (which gain where entry is restricted). Consumer protection is a common reason given for financial regulation. But consumers in financial markets are probably less subject to fraud, misrepresentation, discrimination and information asymmetry than consumers of other products. Concern about 'negative externalities' (costs born by others) is another argument for regulation. However, on examination it is clear there are few genuine externalities. Regulations on externality grounds is justified only for financial institutions which hold government-insured deposits; for insurance companies which provide government-mandated non-contracting third party insurance ) for instance, for cars); and for companies which underwrite long-term life insurance and annuities. Financial regulation incurs costs, borne by consumers and taxpayers, which probably exceed the benefits they receive. There are substantial unintended costs (such as reduced diversification of financial institutions and the absence of less costly and more innovative products because of restrictions on entry to financial markets). An 'optimal' regulatory system' for banks would involve substantial capital requirements, periodic reporting of assets, liabilities and capital and a 'structured early intervention' system for the authorities. For government-mandated third party liability insurance, life insurance and annuities, insurance companies should be subject to capital requirements similar to those for banks. If governments wish to protect consumers of financial products the best procedure is to establish an Ombudsman to which consumers who feel they have been mistreated can go. The proposed regulatory system 'would be almost costless to taxpayers, the regulated companies and consumers of their products and services.' Compared with existing regimes, it has the great advantage of not restricting entry to financial markets nor the introduction of new products
Author: Mark P. Bauman
Publisher:
ISBN:
Category :
Languages : en
Pages : 312
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Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 852
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Author: University of Illinois (System). Alumni Association
Publisher:
ISBN:
Category :
Languages : en
Pages : 2104
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Author: John Radzilowski
Publisher: Southern Illinois University Press
ISBN: 0809337231
Category : History
Languages : en
Pages : 245
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Book Description
Illinois boasts one of the most visible concentrations of Poles in the United States. Chicago is home to one of the largest Polish ethnic communities outside Poland itself. Yet no one has told the full story of our state’s large and varied Polish community—until now. Poles in Illinois is the first comprehensive history to trace the abundance and diversity of this ethnic group throughout the state from the 1800s to the present. Authors John Radzilowski and Ann Hetzel Gunkel look at family life among Polish immigrants, their role in the economic development of the state, the working conditions they experienced, and the development of their labor activism. Close-knit Polish American communities were often centered on parish churches but also focused on fraternal and social groups and cultural organizations. Polish Americans, including waves of political refugees during World War II and the Cold War, helped shape the history and culture of not only Chicago, the “capital” of Polish America, but also the rest of Illinois with their music, theater, literature, food. With forty-seven photographs and an ample number of extensive excerpts from first-person accounts and Polish newspaper articles, this captivating, highly readable book illustrates important and often overlooked stories of this ethnic group in Illinois and the changing nature of Polish ethnicity in the state over the past two hundred years. Illinoisans and Midwesterners celebrating their connections to Poland will treasure this rich and important part of the state’s history.
Author:
Publisher:
ISBN:
Category : Chemistry
Languages : en
Pages : 174
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