[20050103]RS21719_银行和储蓄存款保险费：1934-2004年的记录.pdf

1 48 Stat. 162 (June 16, 1933).Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21719Updated January 3, 2005Bank and Thrift Deposit Insurance Premiums:The Record from 1934 to 2004Barbara Miles and William JacksonSpecialists in Financial InstitutionsGovernment and Finance DivisionSummarySince federal deposit insurance first came into being in the mid-1930s, commercialbanks and savings associations (thrifts) have paid premiums into government insurancereserves to cover losses due to financial institution failures. We illustrate this historyin three tables showing scheduled and effective deposit insurance premiums each yearsince 1934. Through most of that time, thrifts have paid higher premiums than banks,reflecting in part their different nature. Thrifts, for example, could not offer checkingaccounts until the 1980s, and were largely restricted to home mortgage lending so thatcompetition with banks was muted. Banks and thrifts have come to offer similarservices and the government has standardized insurance premiums for the twoinstitutions to reflect their competition. Deposit insurance premiums have been thesubject