deteriorated credit ratings in economic downturns. We focus on the role of bank loan commitments, which have been increasingly …Previous research on procyclical bank capital regulation has largely focused on the role of increased loan losses and … popular from the 2000s, on the procyclicality of bank capital regulation. Using the bank-level data of U.S. commercial banks …

' choice between cash and lines of credit as a source of liquidity. I find that customer risk decreases the reliance on bank … factors affecting the choice between cash and lines of credit. A one standard deviation increase in customer risk is … associated to a significant 1.48% up to 2.44% (depending on the measure used) decrease of the ratio of opened lines of credit to …