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Can Emerging Market Bank Regulators Establish Credible Discipline? The Case of Argentina, 1992-1999

Calomiris, Charles W. - 2000

discipline has played an important role in prudential regulation by encouraging proper risk management by banks. There is …

Persistent link: https://www.econbiz.de/10012471046

A Behavioral Model of Demandable Deposits and its Implications for Financial Regulation

Rotemberg, Julio J. - 2010

A model is developed which rationalizes contracts that give depositors the right to obtain funds on demand even when depositors intend to use these funds for consumption in the future. This is explained by depositor overoptimism regarding their own ability to collect funds in a run. Capitalized...

Persistent link: https://www.econbiz.de/10012462037

Monetary Tightening and U.S. Bank Fragility in 2023 : Mark-to-Market Losses and Uninsured Depositor Runs?

Jiang, Erica Xuewei; Matvos, Gregor; Piskorski, Tomasz; … - National Bureau of Economic Research - 2023

We analyze U.S. banks' asset exposure to a recent rise in the interest rates with implications for financial stability. The U.S. banking system's market value of assets is $2 trillion lower than suggested by their book value of assets accounting for loan portfolios held to maturity....

Persistent link: https://www.econbiz.de/10014247969

Interest Rate Risk and the Regulation of Financial Institutions

Morrison, Jay B. - 1978

A bank or other financial institution is potentially subject to at least four types of risk: (1) Credit risk -- defaults or delays in repayments. (2) Fraud -- embezzlement or insider abuse. (3) Liquidity risk -- or high cost of obtaining needed cash. (4) Interest rate risk -- differential...

Persistent link: https://www.econbiz.de/10012478883

Bank Stress Testing : Public Interest or Regulatory Capture?

Schneider, Thomas Ian - 2020

public-interest view of regulation, not regulatory capture …

Persistent link: https://www.econbiz.de/10012482067

Bank Governance, Regulation, and Risk Taking

Laeven, Luc - 2008

actual sign of the marginal effect of regulation on risk varies with ownership concentration. These findings have important … policy implications as they imply that the same regulation will have different effects on bank risk taking depending on the …

Persistent link: https://www.econbiz.de/10012464532

Regulation and Supervision : An Ethical Perspective

Kane, Edward J. - 2008

This essay shows that government credit-allocation schemes generate incentive conflicts that undermine the quality of bank supervision and eventually produce banking crisis. For political reasons, most countries establish a regulatory culture that embraces three economically contradictory...

Persistent link: https://www.econbiz.de/10012464752

Event-Study Evidence of the Value of Relaxing Longstanding Regulatory Restraints on Banks, 1970-2000

Carow, Kenneth A. - 2001

In a partial-equilibrium model, removing a binding constraint creates value. However, in general equilibrium, the stakes of other parties in maintaining the constraint must be examined. In financial deregulation, the fear is that expanding the scope and geographic reach of very large...

Persistent link: https://www.econbiz.de/10012470122

Using Deferred Compensation to Strengthen the Ethicsof Financial Regulation

Kane, Edward J. - 2001

Defects in the corporate governance of government-owned enterprises tempt opportunistic officials to breach duties of public stewardship. Corporate-governance theory suggests that incentive-based deferred compensation could intensify the force that common-law duties actually exert on regulatory...

Persistent link: https://www.econbiz.de/10012470321

Ethical Foundations of Financial Regulation

Kane, Edward J. - 1997

Regulation consists of rulemaking and enforcement. Economic theory offers two complementary rationales for regulating … arise in multi- party relationships and that regulation introduces opportunities to impose rules that enhance the welfare of … discretion and choose actions for the common good. Agency-cost theories portray regulation as a way to raise the quality of …

Persistent link: https://www.econbiz.de/10012472798

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