depository financial institution การใช้

• Further, the U . S . shadow banking system ( i . e ., non-depository financial institutions such as investment banks ) had grown to rival the depository system yet was not subject to the same regulatory oversight, making it vulnerable to a bank run.
• Major causes of the initial subprime mortgage crisis and following recession include : International trade imbalances and lax lending standards contributing to high levels of developed country household debt and real-estate bubbles that have since burst; U . S . government housing policies; and limited regulation of non-depository financial institutions.