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 …

better control of a major source of business cycle fluctuations, sudden increases and contractions of bank credit and of the … supply of bank-created money. (2) Complete elimination of bank runs. (3) Dramatic reduction of the (net) public debt. (4 …

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 …

over two decades. A reduced-form equation is estimated on the basis of a bank profit maximization model that permits a …