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Banking x Financial Regulation x clear all

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Are All the Sacred Cows Dead? Implications of the Financial Crisis for Macro- and Financial Policies

Aslı Demirgüç-Kunt and Luis Servén.

in The World Bank Research Observer

February 2010; p ublished online February 2010 .

Journal Article. Subjects: Economics; Monetary Policy, Central Banking, and the Supply of Money and Credit; International Finance; Financial Regulation; Banking; Corporate Governance. 14710 words.

The recent global financial crisis has shaken the confidence of industrial and developing countries alike in the very blueprint of the financial and macropolicies that underlie the Western...

Go to »  abstract

Are Small Businesses Worthy of Financial Aid? Evidence from a French Targeted Credit Program

Laurent Bach.

in Review of Finance

July 2014; p ublished online June 2013 .

Journal Article. Subjects: Financial Regulation; Banking; Services. 16619 words.

We ask whether public financial aid reduces small businesses’ credit constraints. To answer the question, we analyze a policy of bank loans made from subsidized funds. Extensions of this...

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Assessing TARP

Dinara Bayazitova and Anil Shivdasani.

in The Review of Financial Studies

February 2012; p ublished online November 2011 .

Journal Article. Subjects: Financial Regulation; Banking. 14762 words.

We study the government equity infusions into banks under the Capital Purchase Program (CPP) of the Troubled Asset Relief Program (TARP). Strong banks opted out of CPP, and equity infusions...

Bailouts and Financial Fragility

Todd Keister.

in The Review of Economic Studies

April 2016; p ublished online October 2015 .

Journal Article. Subjects: Banking; Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General Outlook; Financial Regulation. 16296 words.

Should policy makers be prevented from bailing out investors in the event of a crisis? I study this question in a model of financial intermediation with limited commitment. When a crisis...

Bank Bailouts and Moral Hazard: Evidence from Germany

Lammertjan Dam and Michael Koetter.

in The Review of Financial Studies

August 2012; p ublished online April 2012 .

Journal Article. Subjects: Multiple or Simultaneous Equation Models; Multiple Variables; Game Theory and Bargaining Theory; Banking; Financial Regulation; Regulation and Industrial Policy. 16089 words.

We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout...

Bank Capital and Value in the Cross-Section

Hamid Mehran and Anjan Thakor.

in The Review of Financial Studies

April 2011; p ublished online April 2011 .

Journal Article. Subjects: Banking; Financial Regulation; Corporate Governance; Mergers and Acquisitions. 24295 words.

We develop a dynamic model of bank capital structure in an acquisitions context which predicts: (i) total bank value and the bank’s equity capital are positively correlated in the...

Bank Liquidity Creation

Allen N. Berger and Christa H. S. Bouwman.

in The Review of Financial Studies

September 2009; p ublished online January 2009 .

Journal Article. Subjects: Corporate Governance; Financial Regulation; Banking. 26573 words.

Although the modern theory of financial intermediation portrays liquidity creation as an essential role of banks, comprehensive measures of bank liquidity creation do not exist. We...

Bank Ratings and Lending Supply: Evidence from Sovereign Downgrades

Manuel Adelino and Miguel A. Ferreira.

in The Review of Financial Studies

July 2016; p ublished online January 2016 .

Journal Article. Subjects: Monetary Policy, Central Banking, and the Supply of Money and Credit; Banking; Investment Banking; Financial Regulation; National Budget, Deficit, and Debt. 16940 words.

We study the causal effect of bank credit rating downgrades on the supply of bank lending. The identification strategy exploits the asymmetric impact of sovereign downgrades on the ratings...

Bank resolution: a framework for the assessment of regulatory intervention

Mathias Dewatripont and Xavier Freixas.

in Oxford Review of Economic Policy

October 2011; p ublished online October 2011 .

Journal Article. Subjects: Financial Regulation; Bankruptcy; Banking. 13660 words.

More than ever, the current crisis has highlighted the cost of banking crises in budgetary and economic growth terms. Whether or not to restructure a bank is a key determinant of who bears...

Bank Risk-taking, Securitization, Supervision, and Low Interest Rates: Evidence from the Euro-area and the U.S. Lending Standards

Angela Maddaloni and José-Luis Peydró.

in The Review of Financial Studies

June 2011; p ublished online June 2011 .

Journal Article. Subjects: Economics; Banking; Financial Regulation; Money and Interest Rates; Monetary Policy, Central Banking, and the Supply of Money and Credit. 19069 words.

Using a unique dataset of the Euro-area and the U.S. bank lending standards, we find that low (monetary policy) short-term interest rates soften standards for household and corporate loans....

Banking and Trading

Arnoud W. A. Boot and Lev Ratnovski.

in Review of Finance

October 2016; p ublished online January 2016 .

Journal Article. Subjects: Banking; Investment Banking; Financial Regulation; Corporate Governance. 12376 words.

We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships...

Banking, finance, and the role of the state

Xavier Freixas and Colin Mayer.

in Oxford Review of Economic Policy

October 2011; p ublished online October 2011 .

Journal Article. Subjects: Financial Regulation; Banking. 7080 words.

This paper provides an overview of the issue. It considers the existing structure of financial regulation, the deficiencies that were encountered during the financial crisis, and the...

Banking panics, bank failures, and the lender of last resort: the Showa Depression of 1930–1932

Fumio Akiyoshi.

in Oxford Economic Papers

October 2009; p ublished online June 2009 .

Journal Article. Subjects: History of Financial Markets and Institutions; Financial Regulation; Banking. 9225 words.

By using bank-level data pertaining to the period of the Showa Depression in Japan, we examine whether banking panics caused solvent banks to close down and fail. We find that bank...

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Banks’ Incentives and Inconsistent Risk Models

Matthew C Plosser and João A C Santos.

in The Review of Financial Studies

June 2018; p ublished online May 2018 .

Journal Article. Subjects: Banking; Financial Regulation. 16331 words.

Abstract

This paper investigates banks’ incentive to bias the risk estimates they report to regulators. Within loan syndicates, we find that banks with less...

Cash-in-the-Market Pricing and Optimal Resolution of Bank Failures

Viral V. Acharya and Tanju Yorulmazer.

in The Review of Financial Studies

November 2008; p ublished online December 2007 .

Journal Article. Subjects: Banking; Financial Regulation; Corporate Regulation; Monetary Policy, Central Banking, and the Supply of Money and Credit; Welfare Economics. 16795 words.

As the number of bank failures increases, the set of assets available for acquisition by surviving banks enlarges but the total liquidity available with surviving banks falls. This results...

Caught between Scylla and Charybdis? Regulating Bank Leverage When There Is Rent Seeking and Risk Shifting

Viral V. Acharya, Hamid Mehran and Anjan V. Thakor.

in The Review of Corporate Finance Studies

March 2016; p ublished online November 2015 .

Journal Article. Subjects: Banking; Financial Regulation; Corporate Governance; Corporate Regulation. 17722 words.

We develop a theory of optimal bank leverage in which the benefit of debt in inducing loan monitoring is balanced against the benefit of equity in attenuating risk shifting. However, faced...

A comparative analysis of macroprudential policies

Yaprak Tavman.

in Oxford Economic Papers

April 2015; p ublished online January 2015 .

Journal Article. Subjects: Financial Regulation; Banking; Monetary Policy, Central Banking, and the Supply of Money and Credit; Money and Interest Rates. 8633 words.

The global financial crisis has clearly shown that macroeconomic stability is not sufficient to guarantee the stability of the financial system. Hence, the recent policy debate has focused...

Go to »  abstract

Competition and Bank Opacity

Liangliang Jiang, Ross Levine and Chen Lin.

in The Review of Financial Studies

July 2016; p ublished online April 2016 .

Journal Article. Subjects: Banking; Financial Regulation; Mergers and Acquisitions; Corporate Regulation. 14454 words.

Did regulatory reforms that lowered barriers to competition increase or decrease the quality of information that banks disclose to the public? By integrating the gravity model of investment...

Competition policy in banking

Xavier Vives.

in Oxford Review of Economic Policy

October 2011; p ublished online October 2011 .

Journal Article. Subjects: Antitrust Issues and Policies; Financial Regulation; Banking. 9449 words.

This paper summarizes some of the arguments relating competition and banking instability, draws connections between regulation and competition policy, and surveys and analyses the role of...

Competition, Risk-shifting, and Public Bail-out Policies

Reint Gropp, Hendrik Hakenes and Isabel Schnabel.

in The Review of Financial Studies

June 2011; p ublished online November 2010 .

Journal Article. Subjects: Banking; Financial Regulation; Regulation and Industrial Policy. 16678 words.

This article empirically investigates the competitive effects of government bail-out policies. We construct a measure of bail-out perceptions by using rating information. From there, we...