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- W2055097239 abstract "Deposit interest rate deregulation and financial service innovation have led to dramatic changes in large banks' deposit composition. This paper presentes a statistical cost analysis of changes in unit costs faced by banks under comprehensive financial deregulation. The results of this paper show that the unit cost of retail deposits-demand and passbook savings deposits-has increased relative to wholesale deposits-federal funds, certificates of deposit, and money market time deposits. We show, contrary to conventional wisdom, that changes in unit costs have been caused by processing costs rather than by interest expenses." @default.
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- W2055097239 date "1989-08-01" @default.
- W2055097239 modified "2023-09-24" @default.
- W2055097239 title "Deregulation, Deposit Markets, and Banks' Costs of Funds" @default.
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- W2055097239 doi "https://doi.org/10.1111/j.1540-6288.1989.tb00350.x" @default.
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