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Toxic asset subsidies and the early redemption of talf loans

Wilson, Linus - In: International Journal of Financial Studies : open … 10 (2022) 2, pp. 1-20

This paper develops a formula to numerically estimate the unsubsidized, fair-market value of the toxic assets purchased with Federal Reserve loans. It finds that subsidy rates on these loans were on average 33.9 percent at origination. In contrast, by the 3rd quarter of the 2010, there was on...

Persistent link: https://www.econbiz.de/10013252762

The SSM at 1

Laeven, Luc; Draghi, Mario; Dombret, Andreas R.; … - SUERF - The European Money and Finance Forum; Deutsche …; … - 2016

On 3 December EY hosted a SUERF conference on banking reform with Sir Howard Davies, the Chairman of RBS, and Dame Colette Bowe, the Chairman of the Banking Standards Board, as the two keynote speakers. Professor David Miles (Imperial College) gave the SUERF 2015 Annual Lecture on Capital and...

Persistent link: https://www.econbiz.de/10011557140

Let a small bank fail : implicit nonguarantee and financial contagion

Liu, Liyuan; Wang, Xianshuang; Zhou, Zhen - 2024

This paper examines the consequences of Chinese regulators deviating from a long-standing full bailout policy in …

Persistent link: https://www.econbiz.de/10015079903

Legislative Impact on Lending : Credit Risk Management in China

Li, Zhaohua - 2017

The Chinese government established the Act on Commercial Banks 1995 to enforce and regulate commercial banking activities. The government envisaged that the Act, together with other bank reforms, would improve credit risk management practice among commercial banks, hence, prompting the banks to...

Persistent link: https://www.econbiz.de/10012964450

What Can a Discretionary Bailout Policy Do to Stabilize a Banking System after a Systemic Credit Event?

Steinbacher, Matjaz - 2013

We study the stability of the banking system after a mortgage shock when a discretionary bailout policy is applied … the alternatives for most shock/bailout pairs. The medium-sized banks policy performs the worst and may be feasible only … for a small number of low shock/low bailout probability pairs. We identify a threshold level after which the bailout costs …

Persistent link: https://www.econbiz.de/10013072678

Intervention of Regulatory Bailouts in Loan Partnerships : Evidence of Tarp's Effect on Syndicated Loan Structures

Enkhtaivan, Bolortuya - 2015

This paper is the first to assess the Troubled Asset Relief Program (TARP) at loan level by looking at the structure of loan syndicates. While the purpose of TARP was to stimulate the flow of credit during the economic downturn, the low cost of capital could have functioned as a double-edged...

Persistent link: https://www.econbiz.de/10013012954

The Real Effects of Government-Owned Banks : Evidence from an Emerging Market

Carvalho, Daniel R. - 2012

Government ownership of banks is widespread around the world. Using plant-level data for Brazilian manufacturing firms, this paper provides evidence that government control over banks leads to significant political influence over the real decisions of firms. I find that firms eligible for...

Persistent link: https://www.econbiz.de/10013115450

Bank Ownership and Credit Cycle : The Lower Sensitivity of Public Bank Lending to the Business Cycle

Duprey, Thibaut - 2013

This paper examines empirically to which extent public banks feature a different pattern in their lending behaviour over macroeconomic fluctuations. Based on a unique dataset from 1990 to 2010, including at most 459 public banks in 93 countries, I can handle ownership change by including records...

Persistent link: https://www.econbiz.de/10013089476

What Does Matched Bank-Firm Data Tell Us about the Moral Hazard in Lending Decisions of State-Owned Banks in India?

Gopalakrishnan, Balagopal - 2018

In this study, we examine quality of the lending decisions of public sector banks (PSBs) in India with a novel dataset which allows the identification of both the banks by the ownership types and their borrowers. We use a lender type prediction model where the bank type is determined by...

Persistent link: https://www.econbiz.de/10012932135

State-owned banks and international shock transmission

Borsuk, Marcin; Kowalewski, Oskar; Pisany, Pawel - 2022

In this study, we reassess the links between commercial bank ownership and lending growth during the 1996-2019 period. We find evidence that the lending activities of foreign state-controlled and foreign privately owned banks differ, particularly during different crisis type periods and origins....

Persistent link: https://www.econbiz.de/10013193442

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