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Ex Ante Capital Position, Changes in the Different Components of Regulatory Capital and Bank Risk
Camara, B.; Lepetit, L.; Tarazi, A. - Banque de France - 2013
We investigate the impact of changes in capital of European banks on their risk-taking behavior from 1992 to 2006, a time period covering the Basel I capital requirements. We specifically focus on the initial level and type of regulatory capital banks hold. First, we assume that risk changes...
Persistent link: https://www.econbiz.de/10010929762
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The Real Effects of Bank Capital Requirements
Brun, M.; Fraisse, H.; Thesmar, D. - Banque de France - 2013
We measure the impact of bank capital requirements on corporate borrowing and business activity. We use loan-level data … firms, under Basel 2, it depends in a predictable way on both the bank's model and the firm's risk. We exploit this two …-way variation to empirically estimate the semi-elasticity of bank lending to capital requirement. This rich identification allows us …
Persistent link: https://www.econbiz.de/10010929767
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Credit Growth and Bank Capital Requirements: Binding or Not?
Labonne, C.; Lamé, G. - Banque de France - 2014
capital requirements. We use a unique database for the French banking sector between 2003 and 2011 combining confidential bank …-level Bank Lending Survey answers with the discretionary capital requirements set by the supervisory authority. We find that on …
Persistent link: https://www.econbiz.de/10010815964
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Financing SMEs in Europe
Balling, Morten (ed.); Bernet, Beat (ed.); Gnan, Ernest (ed.) - Conference on "Financing SMEs in Europe" <2008, Paris>; … - 2009
bank credit for SMEs, the consequences of Basel II on credit risk analysis and SMEs' possible strategic replies were …
Persistent link: https://www.econbiz.de/10011705468
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Le financement des professionnels de l’immobilier par les banques françaises en 2013.
Frappa S. - Banque de France - 2014
Malgré un contexte économique toujours difficile, le total des crédits accordés aux professionnels de l’immobilier par les principales banques françaises, tel qu’il ressort de l’enquête annuelle du Secrétariat général de l’Autorité de Contrôle prudentiel et de Résolution...
Persistent link: https://www.econbiz.de/10010939333
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Housing finance in France in 2013.
Point E.; Le Quéau E. - Banque de France - 2014
The French housing market showed some recovery in 2013 amid furthermoderate price falls in the Paris area, Île de France and the rest of the country,at -1.5%, -1.6% and -1.4% respectively, and as interest rates stabilised athistorically low levels. The volume of transactions for existing homes,...
Persistent link: https://www.econbiz.de/10010928890
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Le marché de la titrisation en Europe : caractéristiques et perspectives.
Kern E. - Banque de France - 2014
- Contrairement au marché américain, le marché de la titrisation européenne ne s’est pas totalement effondré avec la crise financière de 2008, même s’il a connu depuis une certaine atonie. La plus grande attention désormais apportée à la qualité des actifs sous-jacents a permis un...
Persistent link: https://www.econbiz.de/10010928891
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Housing finance in France in 2012.
Point E.; Capitaine G.; Clerc V.; LE Quéau L. - Banque de France - 2013
In a context of declining housing sales and decreasing prices, the annual survey on housing finance carried out by the Autorité de Contrôle prudentiel et de Résolution (ACPR) recorded a 27.6% decrease in loans extended in 2012. Outstanding loans experienced their lowest annual growth since...
Persistent link: https://www.econbiz.de/10010929736
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Commercial property financing in France in 2012.
Point E.; Aqochih A.; Huang F. - Banque de France - 2013
showed a 2.9% drop in 2012, an unprecedented evolution since 2008. Bank exposures are mainly concentrated in France (66 …
Persistent link: https://www.econbiz.de/10010929738
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Grandes tendances de l’épargne des ménages français au bilan des banques et des assurances : juin 2012 – juin 2013.
Feller J.-B. - Banque de France - 2013
La structure du patrimoine financier des ménages français et son évolution sont des éléments importants dans l’appréciation de la situation des banques et des assurances. Cette structure évolue peu depuis 2011 ; à fin juin 2013, les placements des ménages sont composés...
Persistent link: https://www.econbiz.de/10010929739