Bank and Thrift Deposit Insurance Premiums: The Record from 1934-2004

Miles, Barbara L. ; Jackson, William D.

Library of Congress. Congressional Research Service.

关键词: Finance;    Insurance premiums;    Deposit insurance;   

RP-ID  :  RS21719
RP-ID  :  RS21719 2005-01-03

美国|英语

来源: UNT Digital Library

【 摘 要 】

Since federal deposit insurance first came into being in the mid-1930s, commercial banks and savings associations (thrifts) have paid premiums into government insurance reserves to cover losses due to financial institution failures. Banks and thrifts have come to offer similar services and the government has standardized insurance premiums for the two institutions to reflect their competition. Deposit insurance premiums have been the subject of legislation several times over recent years including measures passed by the House. Most banks and thrifts pay essentially no premiums, but the potential for future assessments continues to drive “reform” legislation. This report provides the rationale and amounts of assessments since federal deposit insurance began and will be updated annually.