capital regulation, risk-taking, bank lending and depositor discipline

... the World Bank and IMF throughout the 1990s, and implemented in many developing countries. The SAP policy package had Capital Regulation, Risk-Taking, Bank Lending and Depositor Discipline ... total capital, total capital ratio, tier-1 capital and tier-1 capital ratio. The averages for total capital and tier-1 capital for all countries are 2,447,330.37...

Ngày tải lên: 03/06/2014, 00:55

... portfolios, and banks with weak capital positions are less able to increase their loan portfolios due to capital constraints. When a bank s capital falls short of the required amount, the bank could ... If capital- constrained banks adjust their lending to meet some predetermined target capital- to-asset ratios, one would expect a positive relationship between a bank s ca...

Ngày tải lên: 17/02/2014, 03:20

... changes in bank capital and bank lending. I return to this point later. EMPIRICAL TESTS AND ~’~ESULTS The authors’ tests use quarterly Call Report data for New England banks. To measure " ;capital ... (1995) and extended after September 1992 using the Federal s De novo banks show rapid growth and tend to have extremely high capital ratios. Since banks begin with all cap...

Ngày tải lên: 15/03/2014, 10:20

Ngày tải lên: 15/03/2014, 14:20

... 2004. Risk management, capital structure and lending at banks. Journal of Banking and Finance 28, 19-43. Coleman, M., LaCour-Little, M., Vande, K.D., 2009. Subprime lending and the housing bubble: ... interaction of lending and housing prices both at the international (Hofmann, 2001; Tsatsaronis and Zhu, 2004) and the individual country levels (Gerlach and Peng, 200...

Ngày tải lên: 22/03/2014, 20:20

Ngày tải lên: 06/09/2013, 05:46

... types: city banks, regional banks and member banks of the Second Association of Regional Banks (also called Tier II regional banks), long-term credit banks, trust banks and other. City banks are ... sum of “cash and due from banks” and “call loans” under “Assets” on banks’ balance sheets. Due from banks include both banks’ reserves at the BOJ and banks’ deposits with other banks...

Ngày tải lên: 16/02/2014, 11:20

... realised and expected net tightening of credit standards as reported in the BLS for different leads and lags and other measures of credit availability: bank loan growth, bank lending rate spread, and ... and Watson, 2006). The possibility to securitize loans provides the banks with a risk transfer device (Maddaloni and Peydró, 2009) and therefore imply that banks may r...

Ngày tải lên: 15/03/2014, 10:20

... serious mistake. Wholesale interbank lending is still inhibited so that retail bank credit is unlikely to recover and continues to fall in 2009. JEL Classification: E4 and E5 Key Words: Liquidity ... deficits and the extraordinary overhang of excess bank reserves as a portent of a monetary explosion and looming inflation. Indeed some commodity markets—notably gold and...

Ngày tải lên: 22/03/2014, 17:20

... is oftenusedtoapproximatethefirms’ and the banks’ expectations about future economic activity and tohaveapositivesign.FollowingtheBernankeandBlinder (1988a,b) and the bank lending channel literature, ... National Bank of Poland and the authors’ calculations. 5 Linking the Bank Lending Channel a nd the Disequilibrium Loan Market Analysis We assumed in our theoretical mo del of...

Ngày tải lên: 22/03/2014, 23:20