of Basel II on the efficiency of bank lending. We consider competitive credit markets where entrepreneurs may apply for … the cyclicality of bank lending over the business cycle …

We consider the impact of mandatory information disclosure on bank safety in a spatial model of banking competition in … which a bank's probability of success depends on the quality of its risk measurement and management systems. Under Basel II …. We show that, under stringent Pillar 3 disclosure requirements, banks' equilibrium probability of success and total …

Recently, banking literature has had a quest for appropriate pricing of bank loans under the new Basel II rules and has … price bank's corporate loans, aiming at making bank managers aware of the creation/destruction of shareholder value. We show …

We consider optimal capital requirements for banks' lending activities when the potential trade-off between financial … stability and economic (productivity) growth is taken into account. Both sides of the trade-off are affected by banks' credit … allocation, which in turn is affected by the risk weights used to set capital requirements on bank loans. We find that when firms …

of capital requirements on the allocation of credit and its interaction with procyclicality, and compare Basel I and … capital requirements. The biggest reduction in procyclicality is however achieved with optimal risk-based capital requirements …

We show how banks' excessive risk-taking, stemming from informational asymmetries in loan markets, can lead to an … analysis also provides a new rationale for the countercyclical elements of capital requirements.This version updates the Bank … of Finland Discussion Paper 23/2009, 'Credit Allocation, Capital Requirements and Procyclicality.' …

We survey 149 leading academic researchers on bank capital regulation. The median (average) respondent prefers a 10 … strongly an expert believes that higher capital requirements would increase the cost of bank lending …

We survey 149 leading academic researchers on bank capital regulation. The median (average) respondent prefers a 10 … strongly an expert believes that higher capital requirements would increase the cost of bank lending …

We examine bank capital shocks using a recent new approach based on non-normal errors in vector autoregressive models …. Using a sample of 14 European economies over January 2004 through March 2018 we identify two distinct classes of bank … capital shocks, capital tightening shocks, and bank profitability shocks. We find that both bank capital shocks frequently …

Formal enforcement actions issued against banks for violations of laws and regulations related to safety and soundness … enforcement actions issued against U.S. banks, we show that they have a strong negative effect on price terms (loan spreads and … been much higher, while punished banks intensify use of collateral …