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A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded, in such instances it is

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  • 저축기관 (ko)
  • 貯蓄貸付組合 (ja)
  • Savings and loan association (en)
  • Ссудо-сберегательная ассоциация (ru)
  • Spar- och låneförening (sv)
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  • 貯蓄貸付組合(ちょちくかしつけくみあい、Savings and Loan Association; S&L)は、アメリカ合衆国において、貯蓄と住宅ローンに特化した貯蓄金融機関の一業態である。同様の業態は住宅金融組合(Building society)としてイギリス連邦でも見られるほか、各国に同様の業態が見られる(各国語版参照)。大抵は、協同組合組織で預金者と借主が同等に投票権を持ち、直接経営参加が可能である。ジョイント・ストック・カンパニー組織とし、株式公開も可能で、その場合はもちろん預金者と借り手の経営参加は不可能である。 1980年代に破綻が相次いだ業態で、この結果預金保険機関である連邦貯蓄貸付保険公社(Federal Savings and Loan Insurance Corporation; FSLIC)が破綻し、それに代わって整理信託公社(RTC)が設立された。その後、整理信託公社は連邦預金保険公社に業務を承継し清算されている。近い年代では、カリフォルニア州オレンジ郡の破綻も同様の事例である。 (ja)
  • A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded, in such instances it is (en)
  • Ссудо-сберегательная ассоциация (англ. Savings and loan association) — разновидность кредитных учреждений, получивших широкое распространение в США. Основной функцией ссудо-сберегательных ассоциаций является аккумуляция сбережений населения и долгосрочное кредитование покупки и строительства жилых домов. (ru)
  • En spar- och låneförening, även kallat sparkassa, är i Sverige en förening som tar emot kapital som lån från sina medlemmar. Spar och låneföreningar måste ansöka om registrering som inlåningsföretag och har anmälningsplikt som ett finansiellt institut till Finansinspektionen. Varken inlåningsföretag eller finansiella institut står dock under Finansinspektionens tillsyn, och man får högst ta emot inlåning på upp till 50 000 kronor per konsument. Insatta medel omfattas inte av någon insättningsgaranti. Man är också en ekonomisk förening som måste uppfylla följande villkor: (sv)
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