global perspective. At the same time, collateral requirements applied by banks are onerous and also constrain the quantity of … legal framework. Lower operating costs appear critical to reduce relatively higher spreads for small and medium-sized banks …

in extending this type of financing. Although banks are the most important providers of credit, they do not seem to offer …

This paper exploits the Financial Accounts of the United States to derive long time series of bank and nonbank credit … cycle, (ii) recessions and recoveries, and (iii) systemic financial crises. We find that bank and nonbank credit exhibit … different dynamics throughout the business cycle. This diverging cyclical behavior of output and bank and nonbank credit argues …

This paper offers novel evidence on the impact of raising bank capital requirements in the context of an emerging … market: Peru. Using quarterly bank-level data and exploiting the adoption of bank-specific capital buffers, we find that … higher capital requirements have a short-lived, negative impact on bank credit in Peru, although this effect becomes …

The USD asset share of non-U.S. banks captures the demand for dollars by these investors. An instrumental variable …

This paper assembles a bank-level dataset covering the operations of 38 international banks from eight industrial … operations abroad. The paper finds that international banks with a larger share of assets allocated to foreign subsidiaries … somewhat reduced- but by no means depleted-when international banks concentrate their subsidiaries in specific geographical …

vector autoregressive method that controls for bank-level characteristics. Using a panel of banks over 1993-2010, the authors … find that a positive shock to capital inflows and growth in gross domestic product improves banks’ loan portfolio quality … contrast, higher lending rates may lead to adverse selection problems and hence to a drop in portfolio quality. The paper also …

millions of small firms. By analyzing 1.8 million loan transactions of a leading Chinese online bank, this paper compares the … fintech approach to assessing credit risk using big data and machine learning models with the bank approach using traditional …. Furthermore, the fintech approach benefits SMEs that are smaller and in smaller cities, hence complementing the role of banks by …

portfolio rebalancing channel. NIRP affects banks with higher ex-ante net short-term interbank positions or, more broadly, more … liquid balance-sheets, not with higher retail deposits. NIRP-affected banks rebalance their portfolios from liquid assets to …