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Narrow Banking

World Economics Journal, 2010
The credit crunch of 2007–8 was the direct and indirect result of losses incurred by major financial services companies in speculative trading in wholesale financial markets. The largest source of systemic risk was within individual financial institutions themselves.
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Flow of Funds in balkan Banks: Narrow Banking or Narrow Escape? [PDF]

This chapter studies the flow of funds and financial resilience of the banking industry in the Balkans in the face of the global financial crisis and the second great depression. After presenting the stylized facts in terms of standard variables like deposit potential, credit activity, capital adequacy, NPLs and basic profitability indicators in the ...
Marko Malovic, Svetislav Paunovic
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CURBING THE MONEY MULTIPLIER: CAPITAL REQUIREMENTS VERSUS NARROW BANKING*

Contributions to Political Economy, 2018
This article discusses financial regulation proposals based on capital and liquidity requirements and those that instead suggest a 100% reserve on bank deposits. The topic is developed by comparing the position of Alan Greenspan, a resolute supporter of capital requirements as the main regulator of the financial sector, with that of Mervyn King, who ...
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Stablecoins vs. Tokenized Deposits: The Narrow Banking Debate Revisited

Staff Reports (Federal Reserve Bank of New York)
We study how the type of money used in blockchain-based trade affects interest rates, investment, and welfare. Stablecoins in our model are backed by safe assets, while banks issue deposits (both traditional and tokenized) to fund a portfolio of safe and risky assets.
Xuesong Huang, Todd Keister
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A Balance Sheet Approach to a Financial System with Narrow Banking

SSRN Electronic Journal, 1991
This paper presents a balance sheet approach to understanding the reform of the financial system to include narrow banking. It was prepared for a conference at the Jerome Levy Economics Institute of Bard College, June 23-28, 1991.
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The growth of narrow banks in the private market - a study of three banks

2012
The present study is a case study with the aim to investigate how narrow banks grow larger, how they take greater share on the private market and which function they fill. To achieve the purpose of this study, we chose to interview representatives of three different narrow banks to closely see how they work with a starting-point from the theory of the ...
Jacobsson, Robin, Tezel, Rabi
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Narrow Banks and Fiat-Backed Tokens

2021
Alexander Lipton, Thomas Hardjono, Alex Pentland   +2 more
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Fiat-Backed Stablecoins and Narrow Banking

Devastated by the misery of millions of people during the Great Depression caused by the collapse of the entire US financial system, a group of economists at the University of Chicago sought to reform the banking sector. The `Chicago plan' suggested a replacement of `fractional-reserve banks' with `full-reserve banks' (also called `narrow banks' and ...
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Commercial property poses risks for narrow focus banks

Emerald Expert Briefings
Significance Banks in larger EU states are heavily exposed to European and US CRE markets, which have further to fall in 2024. Writedowns are underway, dealing a blow to sentiment and harming the ability of banks to support economic recovery. Impacts Most real-estate
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Minsky and the narrow banking proposal: No solution for financial reform [PDF]

, 2012
Before the law has even been fully implemented, the inadequacies of the regulatory approach underlying the Dodd-Frank Act are becoming more and more apparent. Financial scandal by financial scandal, the realization is hardening that there is a pressing need to search for more robust regulatory alternatives. The real challenge for financial reform is to
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