Data and Indicators
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CIPS and the International Role of the Renminbi
The creation of CIPS is an important milestone on the renminbi’s road to becoming a major global currency. It has the potential to significantly improve the efficiency of cross-border payment transactions and increase liquidity in the offshore market.
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Who Holds Cash?
Everyone has a different relationship with cash. Some carry and use it regularly while others never carry cash. Still others keep it on hand for emergencies but prefer a debit or credit card for everyday purchases. Can these behaviors provide insight into the future of cash holding for consumers?
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Breaking Down Barriers to Financial Well-being
Ensuring the financial well-being of families could be the key to strengthening the American economy. Laura Choi and Dr. David Erickson of SF Fed Community Development sat down to discuss the issue, the focus of their new essay, Toward a New Business Model.
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Asia is the New Engine of Growth in the Shadow Banking System
Monitoring and controlling risks in the shadow banking system is one of the most important tasks facing financial regulators around the world. Asia has recently emerged as the largest source of growth for the global shadow banking system.
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Top 10 Economic Letters of 2015
Economic growth, wages, and housing prices were trending online for Federal Reserve Bank of San Francisco Economic Research in 2015. Here’s a roundup of the year’s most popular Economic Letters.
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Fed Raises Rates: Decision Overview
After months of speculation by pundits and economists, the Federal Open Market Committee (FOMC) voted on Wednesday, December 16, 2015, to raise rates. Here’s an overview of the decision and what it means for the SF Fed.
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Not All NPLs Are Created Equal
Credit quality is a key aspect of an institution’s overall soundness. Arguably the most widely used measure for gauging the quality of an institution’s loan portfolio is the reported nonperforming loan (NPL) ratio. However, not all countries use the same definition and therefore NPL ratios are not necessarily comparable across borders.
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CDFIs as Economic Shock Absorbers
The Great Recession sent shock waves through the world economy. Few lenders emerged unscathed, and the economic consequences for their investors and borrowers were often catastrophic. Community development financial institution (CDFI) loan funds, however, acted as economic shock absorbers for low-income and minority communities hit especially hard during the downturn.
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Inside the $5 Savings Plan
Want to pay down debt or take control of spending? The answer may not be in saving your pennies, but in setting aside your $5 notes. The Federal Reserve Bank of San Francisco explores the trend.
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Remembering Douglas W. Shorenstein
It is with great sadness that we announce the passing of Douglas W. Shorenstein, our former Chairman of the Board. Today John C. Williams, President and CEO of the Federal Reserve Bank of San Francisco, shared his condolences with SF Fed employees and Doug’s friends and family.