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33 FDIC 1989 FDIC Federal Savings and Loan Insurance Corporation FSLIC 13 FSLIC 1989 Financial Institutions Reform, Recovery and Enforcement Act of 1989 FIRREA FSLIC FDIC FDIC Bank Insurance FundBIF Savings Association Insurance FundSAIF 14 FSLIC FIRREA FDIC 11 Curry, Timothy and Lynn Shibut, 2000, The Cost of the Savings and Loan Crisis : Truth and Consequences, FDIC Banking Review, Vol.13, No (1) 13 credit union National Credit Union National Administration (NCUA credit union 1 NCUA National Credit Union Share Insurance Fund BIF SAIF BOX 32

34 FRFFLSIC Resolution Fund FRF BIF SAIF 89 RTC 95 FRF FRF FRF-FSLIC FRF-RTC FRF FICO 81.7 FRF RTC REFCORP 300 REFCORP 15 FDIC FSLIC FDIC %1/12% FDIC assessment credit FSLIC FDIC FDIC FDIC FDIC FDICBIF SAIF FSLIC Miles, Barbara and William Jackson, 2005, Bank and Thrift Deposit Insurance Premiums: The Record from 1934 to 2004, CRS Report to Congress (RS21719) 16 FDIC FDIC

35 FDIC 2003Miles, Barbara and William Jackson FDIC FSLIC Barth, James R FDIC

36 90 BIF SAIF 1990 BIF disbursements BIF SAIF FIRREA FSLIC FRF FDIC FRF 410 Curry, Timothy and Lynn Shibut (2000) BIF SAIF 90 BIF FSLIC SAIF BIFSAIF BIF SAIF

37 FDIC 2003Miles, Barbara and William Jackson2005 (1)SAIF BOX1 (2) 91 BIF BIF SAIF BIF BIF BIF BIF FDICIA FDIC 1.25 Designated Reserve Ratio <DRR> SAIF BIF FDICIA 1.25 BIF SAIF 9 36

38 FDIC FICO 1990 BIF SAIF BIF SAIF SAIF BOX BIFSAIF FDIC BIF 1.25% 0.23 BIF SAIF SAIF 1.25 Deposit Insurance Funds Act of 1996 (DIFA) BOX 90 BIFSAIF

39 FICO REFCORP FSLIC 1989 FIRREA FIRREA FRF RTC FRF RTC FICO REFCORP FICO BOX DIFA FICO assessment 8 1 BIF SAIF 計 FDIC 2003 RTC REFCORP REFCORP FICO REFCORP 2, ,727 FHLB 451 FRF FHLBs 502 1, FICO assessment 3 12 FHLBs 2000 FHLB REFCORP REFCORP 20 FHLBs Affordable Housing Program 20 REFCORP assessment REFCORP 3 FHLBs 38

40 FICOFinancing Corporation FSLIC Recapitalization Act (1987) FSLIC RTC Resolution Trust Corporation FRFFSLIC Resolution FundFDIC BIFSAIF FICO FICO FRF non-redeemable capital certificate FICO FRF financing vehicle * * FICO 1 FICO SAIF SAIF BIF DIFA SAIF BIF FICO assessment FDIC assessment 99 SAIF BIF FICO assessment * BIFSAIF FICO assessment ** FICO FICO FICO FICO Federal Home Loan BanksFHLBs 12 GSE 39

41 REFCORP FICO REFCORP FHLBs 13 SAIF 11 Curry, Timothy and Lynn Shibut (2000) FDIC FDIC FDIC 21 FICO REFCORP FDIC BIF SAIF FRF FICO assessment REFCORP assessment FHLBs 21 OCC OCC 5 20 Hawke OCC

42 pre-funding pre-funding pre-funding pre-funding pre-funding counter-cyclical pay-as-you-go 41

43 pro-cyclical post-funding counter-cyclical post-funding post-funding pre-funding pay-as-you-go post-funding post-funding 51 2 pre-funding pre-funding 8 7 pay-as-you-go 42

44 post-funding 3 post-funding post-funding 3 Financial Services Compensation Scheme pay-as-you-go 0.3 post-funding 1.25% Designated Reserve RatioDRR pre-funding DRR 0.23 BOX pay-as-you-go FICO REFCORP post-funding pay-as-you-go Garcia, Gillian G.H

45 FDIC FDIC FDIC * 1.25 pro-cyclical 2002 BIF , BIF FDIC FDIC BIF SAIF * 44

46 pre-funding pre-funding pay-as-you-go post-funding post-funding 45

47 23 23 Garcia, Gillian G.H. (2000) 80 FSLIC 46

48 Barth, James R., John J. Feid, Gabriel Riedel and M. Hampton Tunis, Alternative Federal Deposit Insurance Regimes, 1989, Office of Policy and Economic Research, Federal Home Loan Bank Board Curry, Timothy and Lynn Shibut, 2000, The Cost of the Savings and Loan Crisis: Truth and Consequences, FDIC Banking Review, Vol.13, No.2 Garcia, Gillian G. H., 2000, Deposit Insurance: Actual and Good Practice, Occasional Paper 197, International Monetary Fund Miles, Barbara and William Jackson, 2005, Bank and Thrift Deposit Insurance Premiums: The Record from 1934 to 2004, CRS Report to Congress (RS21719) 47

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