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Federal home loan bank advances and commercial bank portfolio composition
Frame, W. Scott; Hancock, Diana; Passmore, Wayne - 2007
This paper considers the role of Federal Home Loan Bank (FHLB) advances in stabilizing their commercial bank members' residential mortgage lending activities. Our theoretical model shows that using mortgage-related membership criteria or requiring mortgage-related collateral does not ensure that...
Persistent link: https://www.econbiz.de/10010292320
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Reform der Bankenaufsicht: Ein internationales Politikthema
Welfens, Paul J. J. - In: Wirtschaftsdienst 87 (2007) 10, pp. 648-652
Nachdem die Immobilienkrise in den USA auch Deutschland erreicht und die IKB Deutsche Industriebank AG sowie die … sind die Ursachen für die Schwierigkeiten der deutschen Banken? Hat die Bankenaufsicht Fehler gemacht? Sollte sie … reformiert werden? Ist eine Vereinheitlichung der Bankenaufsicht auf der EU-Ebene erforderlich? …
Persistent link: https://www.econbiz.de/10010303488
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Bank risk-taking, securitization, supervision and low interest rates: Evidence from the euro area and the U.S. lending standards
Maddaloni, Angela; Peydró, José-Luis - 2010
Using a unique dataset of the Euro area and the U.S. bank lending standards, we find that low (monetary policy) short-term interest rates soften standards, for household and corporate loans. This softening – especially for mortgages – is amplified by securitization activity, weak supervision...
Persistent link: https://www.econbiz.de/10011605294
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Resolving large financial intermediaries: banks versus housing enterprises
Eisenbeis, Robert A.; Frame, W. Scott; Wall, Larry D. - 2004
This paper examines the policy issues with respect to resolving the possible failure of housing enterprises Fannie Mae or Freddie Mac. The authors compare and contrast these issues with those raised in the context of large bank failures and also identify important differences in the extant...
Persistent link: https://www.econbiz.de/10010397615
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Supervisory transparency in the European banking union
Gandrud, Christopher; Hallerberg, Mark - 2014
Bank supervisors should provide publicly accessible, timely and consistent data on the banks under their jurisdiction. Such transparency increases democratic accountability and leads to greater market efficiency. There is greater supervisory transparency in the United States compared to the...
Persistent link: https://www.econbiz.de/10010464502
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The impact of liquidity on bank profitability
Bordeleau, Etienne; Graham, Christopher - 2010
The recent crisis has underlined the importance of sound bank liquidity management. In response, regulators are devising new liquidity standards with the aim of making the financial system more stable and resilient. In this paper, the authors analyse the impact of liquid asset holdings on bank...
Persistent link: https://www.econbiz.de/10010280016
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The trouble with pensions: Toward an alternative public policy to support retirement
Nersisyan, Yeva; Wray, L. Randall - 2010
Pension funds have taken a big hit during the current financial crisis, with losses in the trillions of dollars. In addition, both private and public pensions are experiencing significant funding shortfalls, as is the government-run Pension Benefit Guaranty Corporation, which insures the...
Persistent link: https://www.econbiz.de/10010280298
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Optimal CRA reform: Balancing government regulation and market forces
Thomas, Kenneth H. - 2002
At issue in the debate over the renewal of the Community Reinvestment Act (CRA) of 1977 are the various yardsticks regulators use to judge whether individual institutions are meeting the credit and service needs of low- and moderate-income (LMI) communities. Based on careful examination of new...
Persistent link: https://www.econbiz.de/10010280362
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Are bank shareholders enemies of regulators or a potential source of market discipline?
Park, Sangkyun; Peristiani, Stavros - 2001
In moral hazard models, bank shareholders have incentives to transfer wealth from the deposit insurer - that is, maximize put option value - by pursuing riskier strategies. For safe banks with large charter value, however, the risk-taking incentive is outweighed by the possibility of losing...
Persistent link: https://www.econbiz.de/10010283427
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Macroprudential supervision of financial institutions: Lessons from the SCAP
Hirtle, Beverly; Schuermann, Til; Stiroh, Kevin - 2009
A fundamental conclusion drawn from the recent financial crisis is that the supervision and regulation of financial firms in isolation - a purely microprudential perspective - are not sufficient to maintain financial stability. Rather, a macroprudential perspective, which evaluates and responds...
Persistent link: https://www.econbiz.de/10010283502