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Building Bankomat: The development of on-line, real-time systems in British and Swedish savings banks, c.1965-1985
Batiz-Lazo, Bernardo; Karlsson, Tobias; Thodenius, Björn - Volkswirtschaftliche Fakultät, … - 2009
dispensers into ATM at the same time that European financial intermediaries were active in shaping technological change. …
Persistent link: https://www.econbiz.de/10008756282
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The federal home loan bank system: The lender of next-to-last resort?
Ashcraft, Adam; Bech, Morten L.; Frame, W. Scott - 2009
first documents the significant role played by the FHLB System at the outset of the ongoing financial crisis and then …
Persistent link: https://www.econbiz.de/10010292250
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The Political Economy of Financial Systems
Haber, Stephen; Perotti, Enrico - 2008
This survey reviews the literature on the political economy of financial structure, broadly defined to include the size ….The theoretical literature on the institutional basis for financial development and the recent evidence suggests that unconstrained … political power undermines financial accumulation. Even under limited government, unaccountable institutions lead to regulatory …
Persistent link: https://www.econbiz.de/10010325760
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On Risk, Leverage and Banks: Do highly Leveraged Banks take on Excessive Risk?
Koudstaal, Martin; van Wijnbergen, Sweder - 2012
This paper deals with the relation between excessive risk taking and capital structure in banks. Examining a quarterly dataset of U.S. banks between 1993 and 2010, we find that equity is valued higher when more risky portfolios are chosen when leverage is high, and that more risk taking has a...
Persistent link: https://www.econbiz.de/10010326471
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Evaluating the real effect of bank branching deregulation: comparing contiguous counties across U.S. state borders
Huang, Rocco - 2007
This paper proposes a new methodology to evaluate the economic effect of statespecific policy changes, using bank-branching deregulations in the U.S. as an example. The new method compares economic performance of contiguous counties on opposite sides of state borders, where on one side...
Persistent link: https://www.econbiz.de/10011604834
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How does competition affect efficiency and soundness in banking? New empirical evidence
Schaeck, Klaus; Čihák, Martin - 2008
A growing body of literature indicates that competition increases bank soundness. Applying an industrial organization based approach to large data sets for European and U.S. banks, we offer new empirical evidence that efficiency plays a key role in the transmission from competition to soundness....
Persistent link: https://www.econbiz.de/10011604978
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Bank risk-taking, securitization, supervision and low interest rates: Evidence from the euro area and the U.S. lending standards
Maddaloni, Angela; Peydró, José-Luis - 2010
Using a unique dataset of the Euro area and the U.S. bank lending standards, we find that low (monetary policy) short-term interest rates soften standards, for household and corporate loans. This softening – especially for mortgages – is amplified by securitization activity, weak supervision...
Persistent link: https://www.econbiz.de/10011605294
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Bank ratings: what determines their quality?
Hau, Harald; Langfield, Sam; Marqués-Ibáñez, David - 2012
This paper examines the quality of credit ratings assigned to banks in Europe and the United States by the three largest rating agencies over the past two decades. We interpret credit ratings as relative assessments of creditworthiness, and define a new ordinal metric of rating error based on...
Persistent link: https://www.econbiz.de/10011605529
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Gute Absicht - böses Ende: Die US-Wohnungspolitik als Brandbeschleuniger der Weltfinanzkrise
Gropp, Reint E.; Saadi, Vahid - In: Wirtschaft im Wandel 25 (2019) 1, pp. 10-13
Der Boom auf dem US-amerikanischen Eigenheimmarkt in den frühen 2000er Jahren führte zur schwersten Finanzkrise der vergangenen Jahrzehnte. Wissenschaftler haben unterschiedliche Faktoren dokumentiert, die zum rasanten Anstieg der Immobilienpreise beigetragen haben. Kaum beleuchtet wurde...
Persistent link: https://www.econbiz.de/10011998316
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Banking crisis resolution policy - lessons from recent experience : which elements are needed for robust and efficient crisis resolution?
Mayes, David G. - 2009
The current financial crisis has sparked intense debate about how weak banks should be resolved. Despite international …
Persistent link: https://www.econbiz.de/10010266061