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Stale information, shocks and volatility
Gropp, Reint E.; Kadareja, Arjan - 2006
that the results have implications for debate surrounding the opacity of banks and the transparency requirements that may …
Persistent link: https://www.econbiz.de/10011604732
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Lifting the banking veil: Credit standards' harmonization through lending transparency
Kang, Jung Koo; Loumioti, Maria; Moerman, Regina Wittenberg - 2020
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … information on loan characteristics and performance. We find that loans originated under the transparency regime share more … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions …
Persistent link: https://www.econbiz.de/10012422029
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Lifting the Banking Veil : Credit Standards’ Harmonization Through Lending Transparency
Kang, Jung Koo - 2020
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … information on loan characteristics and performance. We find that loans originated under the transparency regime share more … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions …
Persistent link: https://www.econbiz.de/10012843214
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Banking consolidation and small business lending
Takáts, Elod - 2004
The paper investigates small business lending as an information problem. It models the effects of information asymmetries within the bank combined with fixed wages. Two kinds of inefficiencies arise in equilibrium: the credit officer either sometimes shirks or he is occasionally fired. In both...
Persistent link: https://www.econbiz.de/10011604453
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Universal banks and corporate control: evidence from the global syndicated loan market
Ferreira, Miguel A.; Matos, Pedro - 2009
Banks play a role in the corporate governance of firms as well as acting as debt financiers around the world. Universal banks can have control over borrowing firms by representation on the board of directors or by holding shares through direct stakes or institutional holdings. We investigate the...
Persistent link: https://www.econbiz.de/10011605112
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A cross-country comparison of market structures in European banking
Davis, E. Philip; De Bandt, Olivier - 1999
In order to assess the effect of EMU on market conditions for banks based in countries which adopt the Single Currency, we use the H indicator suggested by Panzar and Rosse (1987). Our contribution is to assess results separately for large and small banks, and for interest income and total...
Persistent link: https://www.econbiz.de/10011604053
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Systemic risk: A survey
De Bandt, Olivier; Hartmann, Philipp - 2000
This paper develops a broad concept of systemic risk, the basic economic concept for the understanding of financial crises. It is claimed that any such concept must integrate systemic events in banking and financial markets as well as in the related payment and settlement systems. At the heart...
Persistent link: https://www.econbiz.de/10011604081
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Financial structure and the interest rate channel of ECB monetary policy
Mojon, Benoît - 2000
This paper analyses persistence differences in financial structure across countries of the euro area and whether they can lead to asymmetries in the transmission of the ECB policy. First, the paper examines the pass-through of money market rates to various bank retail rates and measures how this...
Persistent link: https://www.econbiz.de/10011604086
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Deposit insurance and moral hazard: does the counterfactual matter?
Gropp, Reint E.; Vesala, Jukka - 2001
The paper analyses the relationship between deposit insurance, debt-holder monitoring, charter values and risk taking. Utilising cross-sectional and time series variation in the existence of deposit insurance schemes in the EU, we find that the establishment of explicit deposit insurance...
Persistent link: https://www.econbiz.de/10011604093
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Bank Concentration and Retail Interest Rates
Corvoisier, Sandrine; Gropp, Reint E. - 2001
The recent wave of mergers in the euro area raises the question, whether the increase in concentration has at least in part offset the increase in competition in European banking through deregulation. We test this question by estimating a simple Cournot model of bank pricing. We construct...
Persistent link: https://www.econbiz.de/10011604118