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Basel III and SME bank finance in Germany
Marek, Philipp; Stein, Ingrid - 2022
This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of minimum risk-based capital requirements and the introduction of the leverage ratio. The announcement of stricter risk-based capital regulation significantly affected low capitalized...
Persistent link: https://www.econbiz.de/10013399771
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Support for the SME supporting factor : multi-country empirical evidence on systematic risk factor for SME loans
Dietsch, Michel; Düllmann, Klaus; Fraisse, Henri; … - 2016
Using a unique and comprehensive data set on the two largest economies of the Eurozone - France and Germany - this … consistency of own funds requirements with the riskiness of SME. In both the French and the German sample, results suggest that … the relative differences between the capital requirements for large corporates and those for SME (in other words the …
Persistent link: https://www.econbiz.de/10011564456
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Lending relationships in Germany : empirical evidence from survey data
Harhoff, Dietmar - 1998
Persistent link: https://www.econbiz.de/10013428157
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The impact of German public support transfers on firm finance : evidence from the Covid-19 crisis
Gärtner, Leo; Marek, Philipp - 2022
The economic policy response to COVID-19 lockdowns included a variety of measures. Their effects on non-financial firms, however, remain unclear. To shed light on the effect of transfers, we investigate the effect of German emergency aid transfers (November-December aid), a program designed for...
Persistent link: https://www.econbiz.de/10013205580
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Evaluation of minimum capital requirements for bank loans to SMEs
Düllmann, Klaus; Koziol, Philipp - 2013
). Key contributions are the use of a unique data set of SME lending by over 400 German banks and relating systematic risk to … particularly rich and well developed credit market for SMEs in Germany. We estimate asset correlations as the key measure of … granted in Basel II for SMEs relative to large firms. For SME loans in the corporate portfolio of the Internal Ratings …
Persistent link: https://www.econbiz.de/10009751062
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Cyclicality of SME lending and government involvement in banks
Behr, Patrick; Foos, Daniel; Norden, Lars - 2015
on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs …
Persistent link: https://www.econbiz.de/10011391616
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Macro-scaled microcredit and constraints on household business development : evidence from northern Thailand
Archawa Paweenawat; Narapong Srivisal - 2021
Persistent link: https://www.econbiz.de/10012655433
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Complementing business training with access to finance : evidence from SMEs in Kenya
Ashraf, Anik; Lyons, Elizabeth - 2023
In this paper, we study the complementarity between business training and access to financial capital for small and medium enterprises (SMEs) in Kenya. All participants in a business training program are offered training. One-third of participants are offered loans immediately after training...
Persistent link: https://www.econbiz.de/10014496375
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Arbitraging the Basel securitization framework : evidence from German ABS investment
Efing, Matthias - 2015
This paper provides evidence for regulatory arbitrage within the class of assetbacked securities (ABS) based on individual asset holding data of German banks. I find that those banks operating with tight regulatory constraints pick the securities with the highest yield and lowest collateral...
Persistent link: https://www.econbiz.de/10011391709
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Pro-cyclical capital regulation and lending
Behn, Markus; Haselmann, Rainer; Wachtel, Paul - 2014
We use a quasi-experimental research design to examine the effect of model-based capital regulation introduced under the Basel II agreement on the pro-cyclicality of bank lending and firms' access to funds during a recession. In response to an exogenous shock to credit risk in the German...
Persistent link: https://www.econbiz.de/10010433369