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Please direct a response to each discussion a. This post must include a question b. This post must..
More:Please direct a response to each discussion a. This post must include a question b. This post must be no less than 100 words ***please don’t now answer the question you included…the question is for the person to respond to ***this is the feedback i got from the previous work you have done for me...please make changes**** Your reply to a student response was also very good - it exceeded my expectations and was a thoughtful reply. The points you lost were entirely due to your response posts to other students' initial posts. Those posts were almost entirely copied and pasted - on the whole they did not address the individual students' initial posts at all. For these assignments it is just as important that you read the other students' posts - think deeply about them - and engage in dialogue...as it is to put forward a strong initial post. Document Preview: (Respond to each post individually. Make them seem like opinions rather then copied facts) 1. the Federal Deposit Insurance Corporation preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $250,000. It also identifies, monitors and addresses risks to the deposit insurance funds, and limits the effect on the economy and the financial system when a bank or thrift institution fails. The FDIC receives no Congressional appropriations- it is funded by premiums that banks and thrift institutions pay for deposit insurance coverage and from earnings on investments in U. S. Treasury securities. The FDIC insures approximately $9 trillion of deposits in U.S. banks and thrifts- deposits in virtually every banks and thrift in the country. http://www.fdic.gov/about/learn/symbol/http://www.fdic.gov/about/learn/symbol/ Asymmetric information is a problem with the FDIC when the depositor lacks information about the quality of private loans. (Mishkin 242) Before the start of the FDIC, the depositor was lacking the information and trust of banks and other institutions and was reluctant to put funds in the banking systems, for fear of losing their funds. Since the start of the FDIC on January 1, 1934, no depositor has lost a single cent of insured funds as a result of a failure. One of the pros of the Federal Deposit Insurance Corporation is that the standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Currently depositors are paid off in full on the first $250,000 they have deposited in a bank if the bank fails.(Mishkin 243) However, the FDIC insures deposits only. It does not insure securities, mutual funds or similar types of investments that banks and thrift institutions may offer. Another pro of the Federal Deposit Insurance Corporation is that the FDIC examines banks for compliance with consumer protection laws, including the...
This question was answered on: Feb 21, 2020
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