likely facilitated by, among other factors, a loosening of credit terms related to OTC derivatives and securities financing … transactions. However, little or no systematic data on these trends were available at the time. The new Senior Credit Officer … new survey provides qualitative information about changes in credit terms and conditions across the entire range of these …

We test three hypotheses regarding changes in supervisory "toughness" and their effects on bank lending. The data … provide modest support for all three hypotheses that there was an increase in toughness during the credit crunch period (1989 …, affected bank lending. However, all of the measured effects are small, with 1% or less of loans receiving harsher or easier …

carry a uniform risk weight, irrespective of variations in credit risk. The proposed new Capital Accord of the Bank for … International Settlements provides for a greater sensitivity of capital requirements to credit risk, raising the question of whether … agencies. We combine Moody's data on changes in U.S. borrowers' credit ratings since 1970 with estimates of the risk profile of …

This paper examines the impact of bank capital ratios on bank lending by comparing differences in loan growth to …, that the relationship between capital ratios and bank lending is insignificant until the recent financial crisis. We also … years being for commercial real estate loans. Finally, we show that the elasticity of bank lending with respect to capital …