capital regulation, risk-taking, bank lending and depositor discipline
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...
Tài liệu BANK LENDING AND INTEREST- RATE DERIVATIVES pdf
... 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...
BANK LENDING AND THE TRANSMISSION OF MONETARY POLICY pdf
... 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...
SECURITIZATION, BANK LENDING AND CREDIT QUALITY THE CASE OF SPAIN pptx
... 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...
Tài liệu Quantitative Easing and Bank Lending: Evidence from Japan ppt
... 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...
Working PaPer SerieS no 1160 / FeBrUarY 2010: evidence For SUrveY maTTerS The eUro area Bank lending emPirical crediT and oUTPUT groWTh pptx
... 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...
Zero Interest Rates and the Fall in U.S. Bank Lending pdf
... 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...
A Theoretical and Empirical Assessment of the Bank Lending Channel and Loan Market Disequilibrium in Poland doc
... 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...