[20050929]RS22263_卡特里娜飓风的尾迹：恢复金融服务.pdf

Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS22263Updated September 29, 2005Katrinas Wake: Restoring Financial ServicesWilliam D. Jackson and Barbara L. MilesSpecialists in Financial InstitutionsGovernment and Finance DivisionSummaryIn the wake of Hurricane Katrina, damage to the financial infrastructure appears tobe largely confined to small depository institutions. Directives stemming from the 9/11attacks require most banking and securities firms to maintain off-site redundancy forsignificant personnel and daily data backups. The damaged area is sufficiently wide,however, and the possibility of long-term loan delinquency sufficiently high, that greaterharm may yet surface. To date, most depository institutions are functioning to somedegree and, despite concerns over large withdrawals, regulators say they do not expectany to fail as a result of the damage. Regulators are working with banks and credit unions to provide considerable reliefto customers hard-hit by the storm. Some lenders have announced customer reliefprograms ranging from waivers of ATM fees and increases in cash electronicwithdrawal limits to c