{"title":"三种银行监管法律制度的故事:合同、财务管理条例和信托法","authors":"Tamar Frankel","doi":"10.6092/ISSN.2531-6133/6075","DOIUrl":null,"url":null,"abstract":"How should banks be regulated to avoid their failure? Banks must control the risks they take with depositors' money. If depositors lose their trust in their banks, and demand their money, the banks will fail. This article describes three legal bank regulatory systems: Contract with depositors (U.S.); a mix of contract and trust law, but going towards trust (Japan) and a full trust-fiduciary law regulating banks (Israel). The article concludes that bank regulation, which limits the banks' risks and conflicts of interest, helps create trustworthy banks that serve their country best.","PeriodicalId":36563,"journal":{"name":"University of Bologna Law Review","volume":"1 1","pages":"91-105"},"PeriodicalIF":0.3000,"publicationDate":"2016-08-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"A Story of Three Bank-Regulatory Legal Systems: Contract, Financial Management Regulation and Fiduciary Law\",\"authors\":\"Tamar Frankel\",\"doi\":\"10.6092/ISSN.2531-6133/6075\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"How should banks be regulated to avoid their failure? Banks must control the risks they take with depositors' money. If depositors lose their trust in their banks, and demand their money, the banks will fail. This article describes three legal bank regulatory systems: Contract with depositors (U.S.); a mix of contract and trust law, but going towards trust (Japan) and a full trust-fiduciary law regulating banks (Israel). The article concludes that bank regulation, which limits the banks' risks and conflicts of interest, helps create trustworthy banks that serve their country best.\",\"PeriodicalId\":36563,\"journal\":{\"name\":\"University of Bologna Law Review\",\"volume\":\"1 1\",\"pages\":\"91-105\"},\"PeriodicalIF\":0.3000,\"publicationDate\":\"2016-08-05\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"University of Bologna Law Review\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.6092/ISSN.2531-6133/6075\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"LAW\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"University of Bologna Law Review","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.6092/ISSN.2531-6133/6075","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"LAW","Score":null,"Total":0}
A Story of Three Bank-Regulatory Legal Systems: Contract, Financial Management Regulation and Fiduciary Law
How should banks be regulated to avoid their failure? Banks must control the risks they take with depositors' money. If depositors lose their trust in their banks, and demand their money, the banks will fail. This article describes three legal bank regulatory systems: Contract with depositors (U.S.); a mix of contract and trust law, but going towards trust (Japan) and a full trust-fiduciary law regulating banks (Israel). The article concludes that bank regulation, which limits the banks' risks and conflicts of interest, helps create trustworthy banks that serve their country best.
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