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Deposit insurance, moral hazard and bank risk

Karas, Alexei; Pyle, William; Schoors, Koen - 2021

Using evidence from Russia, we explore the effect of the introduction of deposit insurance on bank risk. Drawing on variation in the ratio of firm deposits to total household and firm deposits before the announcement of deposit insurance, so as to capture the magnitude of the decrease in market...

Persistent link: https://www.econbiz.de/10012421243

The funds concentration effect and discriminatory bailout

Erlenmaier, Ulrich; Gersbach, Hans - 2001

In the presence of macroeconomic shocks severe enough to threaten the liquidity or solvency of the banking system, the regulator can rely on the funds concentration effect to save long-term investment projects. Some banks are forced into bankruptcy with the result that other banks obtain more...

Persistent link: https://www.econbiz.de/10011400865

The dynamics of deposit insurance and the consumption trap

Gersbach, Hans; Wenzelburger, Jan - 2001

We investigate a banking system subject to repeated macroeconomic shocks and show that without deposit rate control, the banking system collapses with certainty. Any initial level of reserves will delay the collapse but not avoid it. Even without a banking collapse, the economy still converges...

Persistent link: https://www.econbiz.de/10011399268

The regulatory response to the financial crisis

Goodhart, Charles A. E. (contributor) - 2008

Persistent link: https://www.econbiz.de/10003662818

Deposit insurance, regulatory forbearance and economic growth : implications for the Japanese banking crisis

Dekle, Robert; Kletzer, Kenneth - 2004

An endogenous growth model with financial intermediation is used to show how public deposit insurance and weak prudential regulation can lead to banking crises and permanent declines in economic growth. The impact of regulatory forbearance on investment, saving and asset price dynamics under...

Persistent link: https://www.econbiz.de/10011402648

Private bank deposits and macro/fiscal risk in the euroarea

Arghyrou, Michael Georgiou; Gadea, María Dolores - 2019

We examine the relationship between private bank deposits and macro/fiscal risk in the euro area. We test three hypotheses: First, private bank deposits relative to Germany are determined by macro/fiscal risk factors. Second, this relationship is time-varying. Third, time-variation is driven by...

Persistent link: https://www.econbiz.de/10011982211

Incentive pay and bank risk-taking : evidence from Austrian, German, and Swiss banks

Efing, Matthias; Hau, Harald; Kampkötter, Patrick; … - 2014

We use payroll data on 1.2 million bank employee years in the Austrian, German, and Swiss banking sector to identify incentive pay in the critical banking segments of treasury/capital market management and investment banking for 66 banks. We document an economically significant correlation of...

Persistent link: https://www.econbiz.de/10010412865

Bank’s risk-taking channel of monetary policy and TLTRO : evidence from the eurozone

Afonso, António; Ferreira, Jorge Braga - 2024

Using a panel data approach with bank-fixed effects, we study the impact of Targeted Longer-Term Refinancing Operations (TLTRO) on banks’ risk, given by their distance to default (DtD). The study aims to determine if the liquidity from TLTROs influences banks’ risk-taking behaviour. For the...

Persistent link: https://www.econbiz.de/10014533785

Deregulation, entry of foreign banks and bank efficiency in Australia

Sturm, Jan-Egbert; Williams, Barry - 2002

This study considers the efficiency of banking in Australia during the post-deregulation period 1988-2001. Since 1986 … banks have used size as a barrier to entry to the new entrants in the post-deregulation period. Furthermore, bank efficiency … seems to have increased post-deregulation and the competition resulting from diversity in bank types was important to prompt …

Persistent link: https://www.econbiz.de/10011514045

A look upstream : electricity market restructuring, risk, procurement contracts and efficiency

Di Maria, Corrado; Lange, Ian; Lazarova, Emiliya A. - 2014 - This version: November 25, 2014

This paper analyzes theoretically and empirically how upstream markets are affected by deregulation downstream …. Deregulation tends to increase the level of uncertainty in the upstream market. Our theoretical analysis predicts that deregulated … plants. On the other hand, we also find that transaction costs may have increased as a consequence of deregulation. …

Persistent link: https://www.econbiz.de/10010464693

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