Abstract
The U.S. financial system is easily the largest in the world—although that position stands to be challenged by a unified European financial market— and, in many respects, the most advanced. It also has the greatest diversity of institutions, the widest variety of instruments, and the most highly developed derivative markets. In many areas of finance, it leads in innovation. It is also one of the most idiosyncratic financial systems in the world, characterized by an oddly parochial set of laws and regulations that both impair competition and shield inefficiency. Because of these anomalies, which are apparent to even the most casual student of financial systems, the U.S. system is not one that other countries with less fully developed economies and financial systems would be well advised to emulate, at least not in every detail. However, much can be learned from a careful examination of both the strengths and weaknesses of the U.S. system.
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Baer, H.L., Mote, L.R. (1992). The United States Financial System. In: Kaufman, G.G. (eds) Banking Structures in Major Countries. Innovations in Financial Markets and Institutions, vol 6. Springer, Dordrecht. https://doi.org/10.1007/978-94-011-2946-6_10
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