An important question in banking is how strict supervision affects bank lending and in turn local business activity … the thrift regulator (OTS) to analyze economic links between strict supervision, bank lending and business activity. We … capital but can also correct deficiencies in bank management and lending practices, leading to more lending and a reallocation …

regulation, recovery and resolution, and risk culture. …

Bank capital requirements are based on a mix of market values and book values. We investigate the effects of a policy … banking organizations. Our analysis is based on security-level data on individual bank portfolios matched to bond …

expectations for NPLs are found to be effective in reducing banks' NPLs. The phase-in of the policies can temporarily reduce bank …

An important question in banking is how strict supervision affects bank lending and in turn local business activity … supervision, bank lending and business activity. We first show that the OTS replacement indeed resulted in stricter supervision of … overcome frictions in bank management, leading to more lending and a reallocation of loans. Consistent with the latter, we find …

This paper examines capital adequacy regulation in Germany. After a short overview about financial regulation in … Germany in general, the paper focuses on the most important development in the area of capital adequacy regulation from the … models for financial regulation is problematic. Finally, some suggestions of how the problems could be addressed are given. …

Bank deregulation in the form of the repeal of the Glass-Steagall Act facilitated the entry of non-bank lenders into … conventional view that regulatory arbitrage caused the rise of non-bank lenders. …

well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact … in large "jumbo" mortgages. We find no clear evidence of substitution in lending between bank and nonbank subsidiaries …, or effects on asset growth or bank noninterest expenses. …