Safe and sound banking twenty years later: what was proposed and what has been adopted
评估过去二十年存款机构公共政策变化与二十年前《安全稳健银行展望》建议的吻合程度，分析哪些建议被采纳、哪些被忽视、哪些被否决的建议反而成为法律。
This article assesses the extent to which changes in public policy regarding depository institutions have aligned with the recommendations made twenty years ago in Perspectives on Safe and Sound Banking (Benston et al. 1986). Several legislative initiatives and bank regulatory and supervisory changes during the past two decades have been in keeping with Benston and his coauthors' recommendations and analyses. But other recommendations in the book have not been followed, and some proposals the book rejected have been enacted through legislation or regulation. ; The article focuses in turn on Benston et al.'s principal recommendations and then discusses and analyzes subsequent related legislative, regulatory, and supervisory developments.