海外における協同組織金融機関の現状

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credit union mutual thrift credit union building society Kreditgenossenschaft Savings & Loan association

Crédit Agricole Arbejdernes Landsbank Amalgamated Bank

credit union mutual thrift savings bank Savings & Loan association Federal Credit Union Act 101(1): the term Federal Credit Union means a cooperative association organized in accordance with the provisions of this chapter for the purpose of promoting thrift among its members and a source of credit for provident or productive purposes.

savings bank credit union building society Financial Exclusion Social Exclusion Financial Exclusion http: //boj.or.jp/ronbun/ronbun_f.htm

Volksbank Raiffeisenbank Kreditgenossenschaft Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Saemaul

share

Rabobank Rabobank Nederland Rabobank Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales

net worth requirements

savings bank

savings bank

Zusammen geht mehr Rabobank Rabobank Rabobank DZ Bank Rabobank Group Rabobank Group

Crédit Agricole Crédit Agricole Crédit Agricole S.A. Caisses Régionales Caisses Locales Rabobank GZ Bank Genossenschaftliche Zentralbank DG Bank Deutsche Genossenschaftsbank DZ Bank Deutsche Zentral-Genossenschaftsbank DZ Bank WGZ Bank Westdeutsche Genossenschafts-Zentralbank DZ Bank

Rabobank Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Nederland Rabobank Rabobank Rabobank Rabobank Rabobank Membership Certificate Rabobank Rabobank Nederland Rabobank Nederland Rabobank Rabobank Nederland Rabobank Rabobank Coöperatieve Centrale Raiffeisenbank Coöperatieve Centrale Boerenleenbank Rabobank Rabobank Rabobank Rabobank

Rabobank Rabobank

BaFin BaFin

savings bank savings bank savings bank BaFin

tangible capital well capitalized complex credit unions Tier Threshold Ratio Tier own funds Tier

all holders of savings, demand or other authorized accounts share savings account deposit account share qualified thrift member business loan deposit account

Association American Share Insurance CorporationMaryland Credit Union Insurance Corporation Washington Credit Union Share Guaranty

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DZ BANK Deutsche Zentral- Genossenschaftsbank giro network DZ BANK

Financial Exclusion Byrd, John W., Donald R. Fraser, D. Scott Lee, Thomas G.E. Williams, Financial Crises, Natural Selection and Governance Structure: Evidence from the Thrift Crisis, EFA 2001 Barcelona Meetings, Undated. DeGennaro, Ramon P., Larry H.P. Lang, James B. Thomson, Troubled Savings and Loan Institutions: Turnaround Strategies Under Insolvency, Financial Management, Vol.22, No.3, Autumn 1993. Heffernan, Shelagh, The Effect of UK Building Society Conversion on Pricing Behavior, Cass Business School of City University, Faculty of Finance Working Paper, March 2003. Smith, Dwight C., James H. Underwood, Business Transactions Division Memorandum: Mutual Savings Associations and Conversion to Stock Form, Office of Thrift Supervision, May 1997. DZ Bank Group Annual Report 2003. Rabobank Group Annual Report 2003.