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Improving credit allocation to sustainable agriculture in Sub-Saharan Africa: Review of bio-based economy benefits
Benjamin, Olatunbosun - Volkswirtschaftliche Fakultät, … - 2012
Financing of agriculture by commercial and non-commercial institutions in rural Sub-Saharan African in recent years has being relatively constant despite remarkable increase in the number of institutions operating within this area. This development may be attributed to how these institutions...
Persistent link: https://www.econbiz.de/10011258880
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Collateral Monitoring and Bank Regulation
Mallick, Indrajit - Volkswirtschaftliche Fakultät, … - 2002
We present a theory of banking regulation affecting procedural compliance in monitoring collateral in secured debt …, no ex post strategy is available to the regulator once the bad state has occurred. We argue that the collateral value is …
Persistent link: https://www.econbiz.de/10009246896
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Contestability and collateral in credit markets with adverse selection
Cesaroni, Giovanni - Volkswirtschaftliche Fakultät, … - 2010
). By working out the sequence of market transactions, we show that the effectiveness of collateral in avoiding equilibrium …, the separation of borrower by means of sufficient collateral does not impede the emergence of credit rationing, which … suitable endowments, the use of collateral in credit contracts could not be a socially efficient screening-device. Our …
Persistent link: https://www.econbiz.de/10008743001
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Credit rationing by loan size: a synthesized model
Kjenstad, Einar; Su, Xunhua - Volkswirtschaftliche Fakultät, … - 2012
We construct a unified framework to study credit rationing by the loan size. Due to default risk, the loan offer curve is positive-sloping. At the equilibrium interest rate, increasing the loan size reduces the average cost of the loan, so the borrower always demands a larger loan than that the...
Persistent link: https://www.econbiz.de/10011110998
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El seguro de depósito dentro de la red de seguridad financiera.
Heinrich, Gregor - Volkswirtschaftliche Fakultät, … - 2007
The text explores generally whether recommendations relating to deposit insurance are international guidleines or mandatory rules, explores the role of deposit insurance as one of several elements in the financial safety net, and offers an outlook to a future with more research and cross-border...
Persistent link: https://www.econbiz.de/10011260867
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Depositor discipline in Indian banking: Separating facts from folklore
Ghosh, Saibal; Das, Abhiman - Volkswirtschaftliche Fakultät, … - 2006
The paper traces the determinants of depositor discipline in Indian banking. Using data for the period 1997:1 to 2002:4, the findings reveal that, while bank-specific factors are dominant in case of state-owned banks, systemic variables tend to overwhelm bank-specific factors in explaining...
Persistent link: https://www.econbiz.de/10005015580
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Market Discipline, Capital Adequacy and Bank Behaviour: Theory and Indian Evidence
Ghosh, Saibal; Das, Abhiman - Volkswirtschaftliche Fakultät, … - 2005
Policy debate with regard to financial intermediaries has focused on whether, and to what extent, governments should impose capital adequacy requirements on banks, or alternately, whether market forces could also ensure the stability of banking systems. The paper contributes to this debate by...
Persistent link: https://www.econbiz.de/10005015581
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Blanket guarantee, deposit insurance, and risk-shifting incentive: evidence from Indonesia
Kariastanto, Bayu - Volkswirtschaftliche Fakultät, … - 2011
Indonesia established a deposit insurance system to maintain stability in its banking sector after the abolishment of blanket guarantees in 2005. Since the insurance premiums are fixed and flat, deposit insurance may create an incentive for banks to take more risks and transfer the risks to the...
Persistent link: https://www.econbiz.de/10009395492
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Banking Instability and Deposit Insurance: The Role of Moral Hazard
Ngalawa, Harold; Tchana Tchana, Fulbert; Viegi, Nicola - Volkswirtschaftliche Fakultät, … - 2011
This paper aims at empirically investigating the role of moral hazard in the e¢ ctivity of deposit insurance in achieving banking stability. If the negative e¤ect of deposit insurance on banking stability is through moral hazard, then deposit insurance will be associated with banking...
Persistent link: https://www.econbiz.de/10009644767
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Does Deposit Insurance Improve Financial Intermediation? Evidence from the Russian Experiment
Chernykh, Lucy; Rebel, Cole - Volkswirtschaftliche Fakultät, … - 2009
This study examines how the introduction of deposit insurance affects a banking system, using the deposit-insurance scheme introduced into the Russian banking system as a natural experiment. The fundamental research question is whether the introduction of deposit insurance leads to a more...
Persistent link: https://www.econbiz.de/10005789735