This paper analyses how banks organize their lending activity in two surveys carried out in 2006 and in 2009. During this period, the use of rating and scoring methodologies became more widespread even among smaller banks. Larger banks used these techniques more frequently when pricing their...

The development of a long lasting relationship between banks and firms requires greater cooperation between the two parties, which must be based on transparency, availability of the right quantitative and qualitative information, the correct and complete use of these information by banks, in...

Establishing a European Banking Union offers clear opportunities: to break bank-fiscal interactions, national supervisory silos and home biases, to reduce fragmentation and improve single market, to stabilize the euro. Nonetheless it involves also risks related to the crisis management...

The proposal for a Directive and the related impact study presented by Ec in 2012 have the purpose to reorganize the financial systems crisis regulation, with particular emphasis on bank recovery and resolution. The new harmonized rules identify three groups of measures relating to prevention,...

Networks development and technological innovation are the challenges that the interbank payment system will face to ensure efficiency and reliability to the operations involving businesses, citizens and public administrations. In Italy, as part of efforts to implement the Digital Agenda, is...

Regulation has an economic impact on banks causing high costs bothdirect and deriving from the use of resources and operating structures, undermining their competitiviness. Alternative solutions, equally effective, are needed, to avoid conflict between firms, regulators and supervisors