Banking and Finance
Quiz yourself by thinking what should be in
each of the black spaces below before clicking
on it to display the answer.
Help!
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| CAMELS (Capital adequacy, Asset adequacy, Management, Earnings, Liquidity, and Sensitivity to risk) | six criteria of safety and soundness used to evaluate banks
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| Central banks | government banks that regulate and manage money supply
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| Commercial bank | most common form of government-backed corporate bank
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| Depositors | people who put money into the bank
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| Depository intermediary | holds funds for the public and uses the funds to finance their business
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| Deregulation | the loosening of government control
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| Discount rate | the interest rate charged to banks by the Federal Reserve
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| District reserve bank | regional bank of Federal Reserve System
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| Federal Deposit Insurance Corporation (FDIC) | agency that guarantees bank deposits
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| Financial intermediary | a private company that does not receive deposits but sells financial services
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| Great Depression | the worst and longest economic crisis in Western industrialized nations, from 1929 until about 193
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| Inflation | a collective rise in money supply, incomes, and prices
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| Medium of exchange | an agreed-upon system for measuring value of goods and services
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| Member bank | national or state bank that is part of the Federal Reserve System
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| Non-depository intermediary | a private company that does not receive deposits but sells financial services
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| Retail bank | constitution developed to help individuals who are not served by commercial banks
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| Regulation C | institution developed to help individuals who are not served by commercial banks
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| Regulation D | a Securities and Exchange Commission (SEC) regulation governing private placement exemptions. Reg D allows usually smaller companies to raise capital through
the sale of equity or debt securities without having to register their securities with the SE
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| Regulation DD | a regulation set forth by the Federal Reserve. Regulation DD was enacted to implement the Truth in Savings Act that was passed in 1991. This act requires
lenders to provide certain uniform information about fees and interest when opening an account for
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| Stagflation | a combination of a stagnate economy and high inflation
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| Bank run | circumstance when many depositors withdraw money from their bank all at once
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Created by:
Mrs. Miller Business
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