A pocket full of change : banking and deregulation / The House of Representatives Standing Committee on Finance and Public Administration

Creator
Australia. Parliament. House of Representatives. Standing Committee on Finance and Public Administration
Call Number
Nq 328.94 AUS
Created/Published
Canberra : Australian Govt. Publishing Service, c1991
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644
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Contents

A pocket full of Change Banking and Deregulation 1
A POCKET FULL OF CHANGE Banking and Deregulation November 1991 3
Contents 7
Members of the Committee 15
Terms of Reference of the Committee 16
Abbreviations 17
CONCLUSIONS AND RECOMMENDATIONS 19
SECTION I INTRODUCTION CHAPTER ONE CONDUCT OF THE INQUIRY 71
CHAPTER TWO HISTORICAL BACKGROUND 83
CHAPTER THREE THE AUSTRALIAN BANKING INDUSTRY IN 1991 107
CHAPTER FOUR OVERSEAS BANKING ISSUES 125
SECTION II COMPETITION CHAPTER FIVE COMPETITION POLICY 131
CHAPTER SIX THE PROFITABILITY OF BANKS 139
CHAPTER SEVEN USER PAYS 173
CHAPTER EIGHT COMPETITIVE STRUCTURE 187
CHAPTER NINE BARRIERS TO COMPETITION 205
CHAPTER TEN FOREIGN BANKS 219
CHAPTER ELEVEN DIVERSIFICATION OF BANKS' ACTIVITIES 231
SECTION III PRUDENTIAL SUPERVISION CHAPTER TWELVE CURRENT PRUDENTIAL SUPERVISION OF FINANCIAL INSTITUTIONS 249
CHAPTER THIRTEEN IMPROVING THE CURRENT APPROACH TO SUPERVISION 267
CHAPTER FOURTEEN ALTERNATIVE ARRANGEMENTS FOR SUPERVISION 295
SECTION IV BANKS AND SECTORAL FINANCE CHAPTER FIFTEEN BANKING AND BUSINESS 309
CHAPTER SIXTEEN BANKING AND THE RURAL SECTOR 337
CHAPTER SEVENTEEN FOREIGN CURRENCY LOANS 359
CHAPTER EIGHTEEN FRAUD 409
SECTION V RETAIL BANKING CHAPTER NINETEEN BANKING, COMPETITION AND THE CONSUMER 423
CHAPTER TWENTY BANKER-CUSTOMER LEGAL RELATIONSHIP AND FAIR BANKING 451
CHAPTER TWENTY ONE DISCLOSURE OF INFORMATION 491
CHAPTER TWENTY TWO BANKS AND SOCIETY 513
SECTION VI OVERVIEW CHAPTER TWENTY THREE OVERVIEW 523
DISSENTING REPORT FROM MR STEELE HALL, MP 531
BIBLIOGRAPHY 533
APPENDIX ONE LIST OF SUBMISSIONS 541
APPENDIX TWO LIST OF EXHIBITS 547
APPENDIX THREE PROGRAM OF ACTIVITIES UNDERTAKEN BY THE COMMITTEE 553
APPENDIX FOUR LIST OF WITNESSES APPEARING AT PUBLIC HEARINGS 555
APPENDIX FIVE LIST OF ORGANISATIONS VISITED IN EUROPE, JUNE 1991 577
APPENDIX SIX LIST OF ORGANISATIONS VISITED IN USA AND CANADA, AUGUST-SEPTEMBER 1991 578
APPENDIX SEVEN OVERSEAS BANKING STRUCTURES 579
APPENDIX EIGHT Risk-based Measurement of Capital Adequacy of Banks 615
APPENDIX NINE FOREIGN CURRENCY LOANS* 621
APPENDIX TEN ATTORNEY-GENERAL'S DEPARTMENT OFFICE OF GENERAL COUNSEL 624
APPENDIX ELEVEN AUSTRALIAN BANKING INDUSTRY OMBUDSMAN SCHEME 640
APPENDIX TWELVE COMPARISON RATE 641

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http://nla.gov.au/nla.obj-2341787552

APA citation

Australia. Parliament. House of Representatives. Standing Committee on Finance and Public Administration & Martin, Stephen. (1991). A pocket full of change : banking and deregulation Retrieved April 27, 2024, from http://nla.gov.au/nla.obj-2341787552

MLA citation

Australia. Parliament. House of Representatives. Standing Committee on Finance and Public Administration and Martin, Stephen. A pocket full of change : banking and deregulation Canberra: Australian Govt. Publishing Service, 1991. Web. 27 April 2024 <http://nla.gov.au/nla.obj-2341787552>

Harvard/Australian citation

Australia. Parliament. House of Representatives. Standing Committee on Finance and Public Administration & Martin, Stephen. 1991, A pocket full of change : banking and deregulation Australian Govt. Publishing Service, Canberra viewed 27 April 2024 http://nla.gov.au/nla.obj-2341787552

Wikipedia citation

{{Citation
  | author1=Australia. Parliament. House of Representatives. Standing Committee on Finance and Public Administration.
  | author2=Martin, Stephen.
  | title=A pocket full of change : banking and deregulation
  | year=1991
  | section=lxvii, 572 pages : illustrations ; 25 cm.
  | isbn=0644223235
  | series=Parliamentary paper (Australia. Parliament) ;
  | issue=PP no. 290 of 1991
  | location=Canberra
  | publisher=Australian Govt. Publishing Service
  | url=http://nla.gov.au/nla.obj-2341787552
  | id=nla.obj-2341787552
  | access-date=27 April 2024
  | via=Trove
}}

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