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Banking behaviour and political business cycle in Africa : the role of independent regulatory policies of the central bank

Ofori-Sasu, Daniel; Agbloyor, Elikplimi Komla; Nsafoah, … - 2024

This study examines the effect of regulatory independence of the central bank in shaping the impact of electoral cycles on bank lending behaviour in Africa. It employs the dynamic system Generalized Method of Moments (SGMM) Two-Step estimator for a panel dataset of 54 African countries over the...

Persistent link: https://www.econbiz.de/10014514254

Regulations, Community Bank and Credit Union Exits, and Access to Mortgage Credit

Alexandrov, Alexei - 2018

We analyze the effect of a U.S. subprime mortgage regulation on the availability of mortgagecredit. Due to all subprime … mortgage originators being affected by the regulation studied,there is no natural control group. We use a pro t maximization … assumption to construct acontrol group. We nd no statistically signi cant impact of the regulation, despite about 200institutions …

Persistent link: https://www.econbiz.de/10012937901

The Regulation of Prosocial Lending : Are Loan Ceilings Effective?

Cozarenco, Anastasia; Szafarz, Ariane - 2021

Regulatory loan ceilings are commonly found in the prosocial lending sector, yet they can have unintended perverse effects. By mitigating the risk of adverse selection, loan caps catalyze co-financing arrangements between subsidized lenders and commercial banks. These arrangements can, in turn,...

Persistent link: https://www.econbiz.de/10013246101

The death of a regulator: strict supervision, bank lending, and business activity

Granja, João; Leuz, Christian - 2020

An important question in banking is how strict supervision affects bank lending and in turn local business activity. Supervisors forcing banks to recognize losses could choke off lending and amplify local economic woes. But stricter supervision could also change how banks assess and manage...

Persistent link: https://www.econbiz.de/10012668203

Bank Recapitalizations, Credit Supply, and the Transmission of Monetary Policy

Mink, Mark - 2018

We integrate a banking sector in a standard New-Keynesian DSGE model, and examine how government policies to recapitalize banks after a crisis affect the supply of credit and the transmission of monetary policy. We examine two types of recapitalizations: immediate and delayed ones. In the steady...

Persistent link: https://www.econbiz.de/10012906390

Procyclical finance : the money view

Li, Ye - 2017

Financial intermediaries issue the majority of liquid securities, and nonfinancial firms have become net savers, holding intermediaries' debt as cash. This paper shows that intermediaries' liquidity creation stimulates growth -- firms hold their debt for unhedgeable investment needs -- but also...

Persistent link: https://www.econbiz.de/10011968932

How to release capital requirements during a pandemic? : evidence from euro area banks

Couaillier, Cyril; Reghezza, Alessio; D'Acri, Costanza … - 2022

This paper investigates the impact of the capital relief package adopted to support euro area banks at the outbreak of the COVID-19 pandemic. By leveraging confidential supervisory and credit register data, we uncover two main findings. First, capital relief measures support banks' capacity to...

Persistent link: https://www.econbiz.de/10013367568

Imperfect Bank Competition, Borrower Adverse Selection, and the Transmission of Monetary Policy

Cantillo, Miguel - 2023

This paper studies bank competition with borrower adverse selection. In the model, expected non-performing loan costs are high when credit is granted in booms, when risk free rates are low, or when competition is strong. I prove that full competition is suboptimal due to this last effect; that...

Persistent link: https://www.econbiz.de/10014355959

Credibility of the Philippine central bank : evidenced by the interest rate pass-through

Nguyen, Chu V. - In: Review of economics and development studies 3 (2017) 1, pp. 47-56

Persistent link: https://www.econbiz.de/10011940234

Risk-taking channel, bank lending channel and the "paradox of credibility" : evidence from Brazil

Montes, Gabriel Caldas; Peixoto, Gabriel Barros Tavares - In: Economic modelling 39 (2014), pp. 82-94

Persistent link: https://www.econbiz.de/10010419987

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