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FDIC Banking Review

1997 - Vol. 10, No. 2

Chairman

  Andrew C. Hove Jr.

Division of Research
and Statistics,
Director

Wm. Roger Watson

Deputy Directors

Barry Kolatch
Steven A. Seelig

Editor

Steven A. Seelig

Editorial Committee

Jack T. Reidhill
Detta Voesar

Managing Editor

  Detta Voesar

Editorial Secretary

  Cathy Wright

Design and Production

  Geri Bonebrake

What Every Loan Officer Needs to Know about the Year 2000 Computer Problem (But Doesn't Know How to Ask)
(203kb PDF File - PDF help or hard copy)

by Jay Golter and Paloma Hawry

The purpose of this article is to explain the nature of the Year 2000 problem and the dangers it can create for different organizations. The authors discuss the types of risk that emanate from these system problems and propose a process by which a bank’s loan department may establish policies to assess and mitigate credit risk resulting from Year 2000 issues.

Small Business Credit Markets:   Why do we know so little about them?
(199kb PDF File - PDF help or hard copy)

by Katherine Samolyk

This study discusses the characteristics of firms, lenders, loans, and financial markets that can affect the availability, quantity, and price of credit to a small business. These are the characteristics on which researchers need data in order to test hypotheses about small business credit markets and, in particular, about the two central issues the author focuses on: To what extent do relationships with lenders affect the credit conditions faced by small businesses, and how will bank consolidation affect credit availability to smaller business borrowers.

Recent Developments Affecting Depository Institutions
(115kb PDF File - PDF help or hard copy)

by Jane Coburn

This regular feature of the FDIC Banking Review contains information on regulatory agency actions, state legislation and regulation, and articles and studies pertinent to banking and deposit insurance issues.

Banking Review - 1998, Vol. 10 No. 2 - Full Edition
(557kb PDF File - PDF help or hard copy)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation.  Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited.  Please provide the FDIC's Division of Research and Statistics with a copy of any publications containing reprinted material.

Single-copy subscriptions are available to the public free of charge.  Requests for subscriptions, back issues or address changes should be mailed to:  FDIC Banking Review, Office of Corporate Communications, Federal Deposit Insurance Corporation, 550 17th Street, N.W., Washington, DC  20429.

Last Updated 10/12/1999 Questions, Suggestions & Requests

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