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How does banking diversity fit in the general vision inspiring the joint process of Banking Union and Capital Markets Union?

Ferri, Giovanni; Neuberger, Doris - In: Vierteljahrshefte zur Wirtschaftsforschung 87 (2018) 4, pp. 25-37

The Global Financial Crisis (GFC: 2008–2009) and the Euro Sovereign Crisis (ESC: 2010–2012) seem a process of creative destruction for the European Union (EU). The huge damage provoked by the GFC and ESC was, in fact, followed by important institutional building steps as the Banking Union...

Persistent link: https://www.econbiz.de/10012153491

Financial inclusion, regulation, and education in Germany

Neuberger, Doris - 2015

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … implementing the right to a basic bank account with an overdraft facility and protection against attachment, establishing public …

Persistent link: https://www.econbiz.de/10010532087

The banking regulatory bubble and how to get out of it

Ferri, Giovanni; Neuberger, Doris - In: Rivista di politica economica 103 (2014) 4/6, pp. 39-69

Persistent link: https://www.econbiz.de/10010407831

Macroprudential Banking Regulation : Does One Size Fit All?

Neuberger, Doris - 2012

homogeneous or bank-based financial systems, the most effective regulatory policy to ensure financial stability depends on the …

Persistent link: https://www.econbiz.de/10013105257

The Banking Regulatory Bubble and How to Get Out of It

Ferri, Giovanni - 2019

We claim that we currently live in a banking regulatory bubble. We review how: i) banking intermediation theory hinges on dealing with borrower-lender asymmetry of information; ii) instead, the presence of complete information is the keystone of the finance theory. Next, we document how finance...

Persistent link: https://www.econbiz.de/10012890531

The economic and fiscal value of German guarantee banks

Hennecke, Peter; Neuberger, Doris; Ulbricht, Dirk - 2017

lacking behind those in the old federal states. Using data of five guarantee banks and results from enterprise and bank …

Persistent link: https://www.econbiz.de/10011701532

Systemic usury and the European Consumer Credit Directive

Neuberger, Doris; Reifner, Udo - 2019 - Revised version Dezember 2019

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Persistent link: https://www.econbiz.de/10012132614

Systemic usury and the European Consumer Credit Directive

Neuberger, Doris; Reifner, Udo - 2019

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Systemic usury exploits poverty by shifting usury into additional products and leveraging usury gains by stringing together individual loan agreements. This paper reviews the economic...

Persistent link: https://www.econbiz.de/10012027590

Systemic usury and the European consumer credit directive

Neuberger, Doris; Reifner, Udo - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 115-132

Persistent link: https://www.econbiz.de/10012507235

Banks' interest margins after the interest rate turnaround : windfall profits and policy measures aimed at bank resilience and consumer welfare

Budde, Philipp; Neuberger, Doris - In: Vierteljahreshefte zur Arbeits- und … 1 (2024) 2, pp. 259-290

The European Central Bank's interest rate hikes since July 2022 have been passed on to customers by banks on credit … periods can be attributed to the high interest rates on their central bank deposits, market power in individual customer … central bank, strengthening competition policy in the banking sector, limiting banks' dividend distributions, improving …

Persistent link: https://www.econbiz.de/10015393739