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Commercial Banking Structure, Regulation, and Performance: An International Comparisonby James R. Barth OCC Working Paper 97-6, March 1997
Abstract Comparisons across the countries show there is a wide range of banking structures and supervisory practices, and there is a roughly equal division between those countries that rely on the central bank as the chief banking supervisor and those that do not. In addition, although all of the countries currently have deposit insurance schemes, these schemes differ widely in many respects. Cross-country comparisons of the different aspects of banking do reveal one common characteristic, however. Almost all of the countries allow a wide range of banking activities, including underwriting, dealing, and brokering in both securities and insurance, and these activities can generally be conducted either directly in a bank or indirectly through a subsidiary of a bank, rather than through a holding company structure. The notable exceptions to this common tendency are the United States and Japan. An appendix presents an exploratory regression analysis illustrating a way in which empirical examinations of bank performance might be enriched by taking into account differences in permissible banking activities across countries.
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Disclaimer Any whole or partial reproduction of material in this paper should include the following citation: Barth, Nolle, and Rice, "Commercial Banking Structure, Regulation, and Performance: An International Comparison" Office of the Comptroller of the Currency, E&PA; Working Paper 97-6, March 1997.
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