This paper uses a unique data set to shed new light on the credit availability and credit performance of consumer … observe changes in credit demand and supply explicitly, to differentiate existing and new credit accounts, and to observe the … performance of each credit account directly. The paper has four main findings. First, despite speedy recovery in their risk scores …

From 2007 to 2010, more than 200 community banks in the United States failed. Many of these failed community banking … organizations (CBOs) held less than $1 billion in total assets. As economic conditions worsen, banking organizations are expected to … preserve capital to withstand unexpected losses. This study examines CBOs prior to failure or becoming problem institutions to …

but imperfect signal on bank project quality (e.g., credit ratings, performance of peers), short-term wholesale financiers … costs): precisely the attributes of a banking sector with securitizations and risk transfers. The results shed light on the …

This paper attempts to quantify business cycle effects of bank capital requirements. The authors use a general … equilibrium model in which financing of capital goods production is subject to an agency problem. At the center of this problem is … (1998). They impose capital requirements on banks and calibrate the regulation using the Basel II risk-weight formula …

Commercial banks leverage their equity capital with demandable debt that participates in the economy's payments system … contract and deposit insurance, bank regulation constrains risk-taking and defines standards of capital adequacy. The inherent … for costly episodes of financial distress that affects banks' employment of capital. ; The existence of financial …