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Banks operating in a regulated environment need to operate within the fiscal, monetary, political and legal regulations; customer tastes, habits and demand; and input supply changes. Changes in these require adjustments in the bank’s operations. Coping with these require finance and instant...
Persistent link: https://www.econbiz.de/10009743348
The analysis highlights the aspects of diversified market structures and of local, low-distance banking as advantageous … for financial stability. Heterogeneity protects from uniform market behaviour. Local banking can better overcome the … regionally focussed credit institutions. So it seems that the process of re-intermediation and re-directing banking business back …
Persistent link: https://www.econbiz.de/10012153544
In the wake of the global financial crisis that erupted in 2008, there has been extensive commentary and regulatory focus on the 'Too Big to Fail' issue. In this paper, we survey the proposed solutions and regulatory initiatives that have been undertaken. We conduct a longitudinal analysis of...
Persistent link: https://www.econbiz.de/10012022346
Over last two decades, emerging and developing nations have desperately endeavored for efficient banking sectors. In …
Persistent link: https://www.econbiz.de/10011760329
banking services. The indices calculated for each dimension of financial inclusion, including accessibility, availability, and …
Persistent link: https://www.econbiz.de/10013461679
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
-in particular the role of effective local banking structures—is not always fully appreciated, whether in the context of development … analyses of the drivers of financial inclusion in developing countries to assessments of various banking groups’ performance … economies, retail and relationship banking do, indeed, have a positive impact on economic development, growth and financial …
Persistent link: https://www.econbiz.de/10012153567
Monetary authorities around the world are implementing enhanced banking capital adequacy requirements under Basel III … meant to improve financial stability. Critics however argue that increased capital requirements concentrate the banking …
Persistent link: https://www.econbiz.de/10011714420
Seit der zweiten Hälfte der 1990er gab es drei gravierende Finanzkrisen, jeweils mit einer erheblichen Beteiligung der Rating-Agenturen (RAs). Im Lichte der erzielten Ergebnisse entsprechen RAs nicht ihren Leistungsversprechen. Sie erweisen sich als fehlbar und überfordert. Das ist angesichts...
Persistent link: https://www.econbiz.de/10011289571
The extensive harm caused by the financial crisis raises the question of whether policy- makers could have done more to prevent the build-up of financial imbalances. This paper aims to contribute to the field of regulatory impact assessment by taking up the revived debate on whether central...
Persistent link: https://www.econbiz.de/10011789463