banks. Two theories of government regulation are described. The first, normative, theory uses market failures as the …

in most cases either banks value the risk of their portfolio higher than the outcome generated by the BIS-risk weighting … commercial banks face a downward pressure on their capital ratios due to an intensified competition. Finally, capital regulation …

This paper presents the results of the eight' DNB euro survey which was held in March 1999 by NIPO by order of de … Nederlandsche Bank. Conclusions with respect to the consumers are, that the support for the euro is stable, that the knowledge about … euro and EMU is at an acceptable level, that there is no widespread need for checking accounts in euro but that consumers …