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A depository bank (U.S. usage) or depositary bank (predominantly EU usage) is a specialist financial entity which, depending on jurisdiction, facilitates investment in securities markets. Depository banks in the United States
Under federal law, however, a "depository institution" is limited to banks and savings associations - credit unions are not included [1] (debatable). [2] An example of a non-depository institution might be a mortgage bank. While licensed to lend, they cannot accept deposits. [3]
Transformation problem: The transformation problem is the problem specific to Marxist economics, and not to economics in general, of finding a general rule by which to transform the values of commodities based on socially necessary labour time into the competitive prices of the marketplace. The essential difficulty is how to reconcile profit in ...
On passing the law in 1991, Congress noted it would help promote economic stability, competition between depository institutions, and allow the consumer to make informed decisions. The Expedited Funds Availability Act (EFAA) of 1987, implemented by Regulation CC , defines when standard holds and exception holds can be placed on checks deposited ...
Shadow banking institutions are typically intermediaries between investors and borrowers. For example, an institutional investor like a pension fund may be willing to lend money, while a corporation may be searching for funds to borrow. The shadow banking institution will channel funds from the investor(s) to the corporation, profiting either ...
In the first approach, the economic models take as given the institutions and arrangements observed in actual economies. This approach has two advantages. First the structure of the model is similar to that of the Arrow–Debreu model to make it amenable to the powerful techniques of analysis developed for that framework.
Research by personnel at the Fed has resulted in claims that interest paid on reserves helps to guard against inflationary pressures. [2] Under a traditional operating framework, in which central bank controls interest rates by changing the level of reserves and pays no interest on excess reserves, it would need to remove almost all of these excess reserves to raise market interest rates.
There are various factors affecting economic growth. The problems of economic growth have been discussed by numerous growth models, including the Harrod-Domar model, the neoclassical growth models of Solow and Swan, and the Cambridge growth models of Kaldor and Joan Robinson. This part of the economic problem is studied in the economies of ...