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Information-Based Pricing in Specialized Lending
Blickle, Kristian; He, Zhiguo; Huang, Jing; Parlatore, … - National Bureau of Economic Research - 2024
We study specialized lending in a credit market competition model with private information. Two banks, equipped with similar data processing systems, possess "general" signals regarding the borrower's quality. However, the specialized bank gains an additional advantage through further...
Persistent link: https://www.econbiz.de/10014486246
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Heterogeneous Multiple Bank Financing, Optimal Business Risk and Information Disclosure
Bannier, Christina E. - 2005
This paper studies optimal risk-taking and information disclosure by firms that obtain financing from both a 'relationship' bank and 'arm's-length' banks. We find that firm decisions are asymmetrically influenced by the degree of heterogeneity among banks: lowly-collateralized firms vary optimal...
Persistent link: https://www.econbiz.de/10010263312
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Regulatory Arbitrage and the Efficiency of Banking Regulation
Boyer, Pierre - 2016
We study the efficiency of banking regulation under financial integration. Banks freely choose the jurisdiction where … to locate their activities and have private information about their efficiency level. Regulators non-cooperatively offer … regulators to discriminate between banks with different efficiency levels. This result is driven by the endogenous restriction …
Persistent link: https://www.econbiz.de/10012991941
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Regulatory Arbitrage and the Efficiency of Banking Regulation
Boyer, Pierre - 2016
We study the efficiency of banking regulation under financial integration. Banks freely choose the jurisdiction where … to locate their activities and have private information about their efficiency level. Regulators non-cooperatively offer … regulators to discriminate between banks with different efficiency levels. This result is driven by the endogenous restriction …
Persistent link: https://www.econbiz.de/10012993683
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Executive Pay Inefficiencies in the Financial Sector
Barton, Haley - 2010
This study considers the implications of excessive non-salary-based executive pay on capital structure during the years 2005 through 2007, directly preceding the 2008 stock market crash. The hypothesis proposes that for firms in the financial sector, executives awarded generous compensation...
Persistent link: https://www.econbiz.de/10013145164
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The Changing Role of a Bank’s Treasury
Roszkowska, Paulina - 2017
This study investigates the contemporary role of banks' treasuries and shows how the trea-sury function is being transformed across the banking sector. Using a sample of internationalsurveys of banks representing both emerging and advanced markets (with 35% of banks rep-resenting the...
Persistent link: https://www.econbiz.de/10012969968
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Bank Herding and Incentive Systems as Catalysts for the Financial Crisis
Haiss, Peter R. - 2011
Why do good bankers at times respond unanimously with the same disastrous strategy? Rooted in regulatory economics and behavioural finance, the paper offers a taxonomy of effects that narrow banks decision scope into funnel-shaped and thus prepared the ground for the financial crisis. The basic...
Persistent link: https://www.econbiz.de/10013130408
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The Bank of Britain
Investin, Bob - 2010
Following on from a paper by Yoshiharu Oritani, Public Governance of Central Banks: An Approach from New Institutional Economics. Public governance is an institutional framework whereby the general public governs a central bank by and through the legislative and executive bodies in a country....
Persistent link: https://www.econbiz.de/10013139704
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The Bank of Britain
Investin, Bob - 2010
Having read Public Governance of Central Banks by Yoshiharu Oritani and looking at the UK in particular I am proposing a model where all government money is held in a central series of bank accounts using the structure of recently nationalised banks and the post office branches to be used as a...
Persistent link: https://www.econbiz.de/10014192670
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Trust in Banks, Financial Inclusion and the Mediating Role of Borrower Discouragement
Koomson, Isaac; Koomson, Paul; Abdul-Mumuni, Abdallah - 2023
The link between bank trust and financial inclusion remains less explored despite the recent emphasis on financial inclusion in the midst of significant declines in bank trust across the globe. From an emerging country perspective, we examine the bank trust – financial inclusion nexus and the...
Persistent link: https://www.econbiz.de/10014349342