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1 46 1971 7 1 100 61 1,000 13 16 17 3 10.4 2 15 3.5 5.3 1.8 8.6 1 E-mail: nobusuke-tamaki@dic.go.jp) 2 24

3 1415 4 5 46 0.006 1516 0.09 0.08 0.084 3 6.7 17 3 7 0.5 16 9 30 http://www.dic.go.jp/katsudou/katsudou3.html 6.8 16 12 4.2 4 16 6 18 5 16 17.6 25

46 0.006 57 0.008 61 0.012 8 0.048 0.036 0.084 13 0.036 0.084 0.048 0.048 14 0.094 0.080 15 0.090 0.080 25.0 4 200 8 1 48 10 17,947 16,166 6 4 16 3 25.0 7 6 11 14 15 6272 7 8 11 15 3 17.8 6.4 15 89 26

( ) 10 11 10 15 61 4 3 0.7 8 7 10.4 27

15 98 813 1415 1014 104,326 15 98 28

5,221 15 17 4 17 4 90 Federal Deposit Insurance Corporation FDIC 10 29

16 3 3.5 8 8 1112 3 15 30

9 11 12 1 5.3 15 15 42 0.1 16 0.01 10 9 10 5 1 500 1 31

1980 90 11 90 12 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.2 12 2004 3 4 2 2004 9 (1) 13 credit union National Credit Union National Administration (NCUA 1970 10 1985 credit union 1 NCUA National Credit Union Share Insurance Fund 1991 1.23 14 BIF SAIF BOX 32

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 1934 16 FDIC 2 89 0.0833%1/12% FDIC assessment credit 195083 195070 0.03 80 0.070.08 1.11.4 FSLIC 49 0.125 FDIC 50 0.083 FDIC FDIC 70 0.083 FDIC 2 50 59 0.63 2 1.62.0 1 15 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 1829 1907 60 30 1986 FDIC 150 33

17 18 80 85 0.208 FDIC 2003Miles, Barbara and William Jackson2005 17 3.2 FDIC FSLIC Barth, James R. 1989 18 FDIC 3 45 34

90 BIF SAIF 1990 BIF disbursements 91 214 87 183 BIF 91 70 SAIF FIRREA FSLIC FRF FDIC FRF 410 Curry, Timothy and Lynn Shibut (2000) BIF SAIF 90 BIF 0.0833 0.12 91 0.12 0.195 0.195 0.23 80 3 FSLIC 85 0.208 SAIF 91 0.23 93 BIFSAIF 0.23 0.31 0.23 93 BIF 0.244 SAIF 0.250 35

FDIC 2003Miles, Barbara and William Jackson2005 (1)SAIF 96 0.657 BOX1 (2) 91 BIF 0.12 0.195 0.23 95 BIF 6 0.230.31 0.040.31 96 0.00.27 96 SAIF 10 0.230.31 0.00.27 BIF BIF 90 91 BIF 121 155 92 92 94 128 BIF 91 70 92 1 93 131 91 FDICIA FDIC 1.25 Designated Reserve Ratio <DRR> 95 5 95 255 2 3 1.25 SAIF BIF FDICIA 1.25 BIF SAIF 9 36

FDIC 2003 90 FICO 1990 BIF SAIF BIF 1.25 96 SAIF SAIF BOX BIFSAIF 1.25 0.23 1.25 FDIC BIF 1.25% 0.23 BIF SAIF SAIF 1.25 Deposit Insurance Funds Act of 1996 (DIFA) BOX 90 BIFSAIF 1.25 37

FICO REFCORP FSLIC 1989 FIRREA FIRREA FRF RTC FRF RTC FICO REFCORP FICO BOX DIFA FICO assessment 8 1 BIF 627 80 SAIF 162 15 計 789 95 FDIC 2003 RTC REFCORP REFCORP FICO 2 300 REFCORP 2,628 2003 1,727 FHLB 451 FRF 450 2002 859 FHLBs 502 1,267 19 FICO assessment 3 12 FHLBs 2000 FHLB 20 19 REFCORP REFCORP 20 FHLBs Affordable Housing Program 20 REFCORP assessment REFCORP 3 FHLBs 38

FICOFinancing Corporation FSLIC Recapitalization Act (1987) FSLIC RTC Resolution Trust Corporation FRFFSLIC Resolution FundFDIC BIFSAIF FICO 30 81.7 FICO FRF non-redeemable capital certificate FICO FRF financing vehicle * * FICO 1 FICO 80 30 8.60 10.70 7.9 SAIF SAIF BIF DIFA 0.657 45 96 10 1.25 SAIF BIF FICO assessment FDIC assessment 99 SAIF BIF 5 2000 FICO assessment 0.0144 *05 1-3 BIFSAIF FICO assessment ** http://www.fdic.gov/deposit/insurance/risk/assesrte.html FICO FICO FICO FICO Federal Home Loan BanksFHLBs 12 GSE 39

REFCORP FICO REFCORP FHLBs 13 SAIF 11 Curry, Timothy and Lynn Shibut (2000) 80 90 FDIC FDIC FDIC 21 FICO REFCORP FDIC BIF SAIF FRF FICO assessment REFCORP assessment FHLBs 21 OCC OCC 5 20 Hawke OCC 2002 5 9 40

80 90 3 3 pre-funding pre-funding pre-funding pre-funding pre-funding counter-cyclical pay-as-you-go 41

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

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 BOX2 1.25 1.25 pay-as-you-go FICO REFCORP post-funding pay-as-you-go 22 1.25 22 Garcia, Gillian G.H.2000 43

FDIC 1.25 1.25 1 1.25 1.25 0.23 1.25 FDIC FDIC * 1.25 pro-cyclical 2002 BIF 321 2 5,279 1.27 100 1 BIF 0.4 0.0022 2002 1 0.23 0.23 1.25 1.25 FDIC 9 1.25 199697 FDIC BIF SAIF *http://www.fdic.gov/deposit/insurance/initiative/index.html 44

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

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

2004 3 2004 3 4 2 2004 9 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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5 3 FAX HP http://www.dic.go.jp Deposit Insurance Corporation of Japan 2004 Printed in Japan (1) (2) (1)(2) (03-3212-6140)