Bailing Out the Savings and Loan Industry: Corporate Welfare and the Welfare State

救助储蓄和贷款行业：企业福利和福利国家

• 批准号: 9123753
• 负责人: Davita Silfen Glasberg
• 金额: $ 8.32万
• 依托单位: University of Connecticut
• 依托单位国家: 美国
• 项目类别: Standard Grant
• 财政年份: 1992
• 资助国家: 美国
• 起止时间: 1992-09-01 至 1995-02-28
• 项目状态: 已结题
• 来源: https://www.nsf.gov/awardsearch/showAward?AWD_ID=9123753&HistoricalAwards=false
• 关键词: Bailing; Out; Savings; Loan; Industry

This study will examine the processes leading to the passage of legislation to bail out the savings and loan industry. The study will focus on three questions: What forces caused bank deregulation and its unintended consequences of the savings and loan crisis? What forces caused Congress and the executive federal government to contradict prevailing laissez-faire philosophy and agree to the most expensive bailout in United States history? What actors were most critical in shaping the deregulation and bailout legislation? The study will primarily be based on data extracted from the 34 volumes of testimony transcripts and supporting documents from the Congressional investigations into the crisis. The significance of the study is twofold. It will offer important insights into the events leading up to the savings and loan crisis and to the social problems it in turn created. This may be useful for policy makers and it may influence the debate on the future of the banking industry and in particular the savings and loan industry. The study will also contribute to our understanding of the role of the state in the shaping of corporate welfare, and thus possibly to an expansion of the concept of the welfare state to include not only social welfare but also the welfare of corporations and businesses.

本研究将探讨导致立法通过的过程，以救助储蓄和贷款行业。这项研究将集中在三个问题上：是什么力量导致了银行放松管制，以及它给储蓄和贷款危机带来的意想不到的后果？是什么力量导致国会和联邦政府的行政部门违背盛行的自由放任主义哲学，同意美国历史上最昂贵的救助计划？在制定放松管制和救助立法的过程中，哪些角色最为关键？这项研究将主要基于从国会调查此次危机的34卷证词记录和支持文件中提取的数据。这项研究的意义是双重的。它将为了解导致储蓄和贷款危机的事件以及由此产生的社会问题提供重要见解。这可能对政策制定者有用，并可能影响有关银行业，特别是储蓄和贷款行业未来的辩论。这项研究还将有助于我们理解国家在企业福利形成中的作用，从而可能扩大福利国家的概念，不仅包括社会福利，还包括公司和企业的福利。