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When does the general public lose trust in banks?

Jansen, David-Jan; Mosch, Robert; Cruijsen, Carin van der - de Nederlandsche Bank - 2013

When does the general public lose trust in banks? We provide empirical evidence using responses by Dutch survey participants to eight hypothetical scenarios. We find that members of the general public care strongly about executive compensation. Negative media reports, falling stock prices, and...

Persistent link: https://www.econbiz.de/10010726974

Cash versus debit card: the role of budget control

Hernandez, Lola; Jonker, Nicole; Kosse, Anneke - de Nederlandsche Bank - 2014

Due to the financial crisis, an increasing number of households face financial problems. This may lead to an increasing need for monitoring spending and budgets. We demonstrate that both cash and the debit card are perceived as helpful in this respect. We show that, on average, consumers...

Persistent link: https://www.econbiz.de/10010812609

Mortgage risks, debt literacy and financial advice

Ooijen, Raun van; Rooij, Maarten van - de Nederlandsche Bank - 2014

A limited understanding of mortgage contracts and the risks involved may have contributed to the origination of the … financial crisis. We have designed a special questionnaire to relate mortgage loan decisions to financial literacy and financial … advice. Our findings show that homeowners seem well aware of mortgage risks. Loans are perceived more risky when they are …

Persistent link: https://www.econbiz.de/10011079888

Identifying systemically important financial institutions: size and other determinants

Moore, Kyle; Zhou, Chen - de Nederlandsche Bank - 2012

This paper analyzes the conditions under which a financial institution is systemically important. Measuring the level of systemic importance of financial institutions, we find that size is a leading determinant confirming the usual "Too Big To Fail" argument. Nevertheless, the relation is...

Persistent link: https://www.econbiz.de/10010757294

Shocks Abroad, Pain at Home? Bank-Firm Level Evidence on the International Transmission of Financial Shocks

Ongena, Steven; Peydro, Jose Luis; Horen, Neeltje van - de Nederlandsche Bank - 2013

We study the international transmission of shocks from the banking to the real sector during the global financial crisis. For identification, we use matched bank-firm level data, including many small and medium-sized firms, in Eastern Europe and Central Asia. We find that...

Persistent link: https://www.econbiz.de/10010681045

Identifying and dating systemic banking crises using incidence and size of bank failures

Chaudron, Raymond; Haan, Jakob de - de Nederlandsche Bank - 2014

We analyse three databases of banking crises and investigate their consistency in the identification and timing of crises. We find that there are large and statistically significant discrepancies between the three datasets. We also compare the dating of banking crises according to these...

Persistent link: https://www.econbiz.de/10010822692

The Level Effect of Bank Lending Standards on Business Lending

Veer, Koen van der; Hoeberichts, Marco - de Nederlandsche Bank - 2013

Do tightenings of bank lending standards permanently reduce bank lending? We construct a measure of a bank's level of lending standards using micro-data from the sample of banks participating in the Eurosystem Bank Lending Survey in The Netherlands and show that this level measure affects...

Persistent link: https://www.econbiz.de/10010822703

Dynamic visualization of large transaction networks: the daily Dutch overnight money market

Heijmans, Ronald; Heuver, Richard; Levallois, Clement; … - de Nederlandsche Bank - 2014

This paper shows how large data sets can be visualized in a dynamic way to support exploratory research, highlight econometric results or provide early warning information. The case studies included in this paper case are based on the payments and unsecured money market transaction data of the...

Persistent link: https://www.econbiz.de/10010822704

"Leaning Against the Wind" and the Timing of Monetary Pollicy

Agur, Itai; Demertzis, Maria - de Nederlandsche Bank - 2011

If monetary policy is to aim also at financial stability, how would it change? To analyze this question, this paper develops a general-form, axiomatic framework. Financial stability objectives are shown to make a monetary authority more aggressive. By that we mean that in reaction to negative...

Persistent link: https://www.econbiz.de/10009192030

Procyclical Bank Risk-Taking and the Lender of Last Resort

Mink, Mark - de Nederlandsche Bank - 2011

We show that through facilitating maturity transformation, the lender of last resort gives banks an incentive to lever, diversify, and lower their lending standards. Bank leverage increases shareholder value because maturity transformation effectively allows banks to borrow against lower...

Persistent link: https://www.econbiz.de/10009192031

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