evidence of any interaction between risk, industry trade exposure, and occupation-specific human capital …In this paper, we empirically assess the causal links between trade and individual income risk and study the role that … and the linkage between trade and risk: While, on average, individuals with higher levels of industry- or occupation …

that the most important determinants of the savings banks? target capital ratio are risk aversion, the desired credit …In contrast to earlier field studies, we survey German public savings banks on their management of capital. We find … growth and profitability. Savings banks prefer to manage the level of capital rather than the level of riskweighted assets in …