Checking on Banks: Autonomy and Accountability in Three Federal Agencies / Edition 1

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Anne Khademian argues that downsizing government activities through consolidation does not guarantee better performance. Consolidation implies agreement on the best way to perform a task, but each of the three banking agencies has a unique management style and level of autonomy growing out of its history and politics. For example, the Fed has a high level of expertise and autonomy, the OCC is known for innovation, and the FDIC places priority on examiner training. Khademian maintains that the jurisdictional overlap among the agencies reflects an essential tension between accountability and autonomy. And a new consolidated agency would destroy that tension. Khademian contends that in the rush to consolidate, we might destroy administrative systems that have real benefits or provide important lessons about implementing government programs and risk creating new "super agencies" whose systems of accountability and operational autonomy are at odds with expectations for performance. Before we can improve government performance, we need to know why agencies behave the way they do. This book offers a framework for understanding agency behavior. In the case of banking, Khademian argues that the diverse approaches to supervision provide an important balance in the system that has worked to keep U.S. banks among the safest and strongest in the world.
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Editorial Reviews

Uses the tools of modern time series analysis to determine the role of an aggregate demand for real balances in the generation of macroeconomic time series. Undertakes the identification and estimation of the demand function in a multivariate, rather than the usual single-equation, framework. Discusses the development and failures of the empirical literature; identification, estimation, and inference; a framework for structural and dynamic analysis; a prototype economic model characterized by co- integration; three-variable and higher dimensional VECM models; and combining term structure and Fisher effects. Annotation c. Book News, Inc., Portland, OR (
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Product Details

  • ISBN-13: 9780815749233
  • Publisher: Brookings Institution Press
  • Publication date: 1/28/1996
  • Edition description: New Edition
  • Edition number: 1
  • Pages: 206
  • Product dimensions: 6.00 (w) x 9.00 (h) x 0.47 (d)

Table of Contents

Ch. 1 Why Banking Supervision? 1
Ch. 2 The Art of Bank Examination and the Management Challenge 23
Ch. 3 Three Ways to Manage the Supervision of Banks 53
Ch. 4 Who Has Autonomy and Why? 85
Ch. 5 Character Building 113
Ch. 6 Organizational Character and Bank Compliance 145
Ch. 7 Is There One Best Way to Manage Bank Supervision? 166
Index 189
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