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The Impact of Regulatory Reform on the Portfolio Performance of Australian Credit Unions
Journal article   Peer reviewed

The Impact of Regulatory Reform on the Portfolio Performance of Australian Credit Unions

Deborah Ralston
Economic Record, Vol.77(237), pp.167-182
2001
url
https://doi.org/10.1111/1475-4932.00012View
Published Version

Abstract

regulatory reform Australian credit unions
This paper applies a portfolio approach to examine the effectiveness of the Financial Institutions (FI) Code (1992) in achieving the twin regulatory objectives of stability and efficiency in Australian credit unions. A model is developed to examine the allocation of credit union portfolios in unregulated and regulation-constrained environments. The impact of regulatory constraints on portfolio performance prior to and following the introduction of the FI Code is thus assessed. The paper concludes that, overall, the FI Code increased both the stability and the allocative efficiency of credit unions over that of previous regulatory regimes.

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#8 Decent Work and Economic Growth
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