Similar Search Results

Bank stability and the allocation of liquidity in the banking system

Hakenes, Hendrik; Schiephake, Eva - 2017

The fragility of financial institutions to panic runs depends on their liquidity base: the short term funds available to banks for investment regardless of the withdrawal option available to customers. Institutions that are able to offer higher yield curves are able to lure the liquidity base...

Persistent link: https://www.econbiz.de/10011712813

Factors of regional distribution of banking institutions in Russia

Mishura, Anna; Ageeva, Svetlana - 2016

The article presents results of research into territorial disparity of bank (branch) deployment for regions of Russia. It is suggested that there have been three periods of bank development in the country. The Siberian Federal District has been selected to illustrate each period and demonstrate...

Persistent link: https://www.econbiz.de/10011790032

Nonbanks, Banks, and Monetary Policy: U.S. Loan-Level Evidence since the 1990s

Elliott, David; Meisenzahl, Ralf; Peydró, José-Luis; … - 2020

We show that nonbanks (funds, shadow banks, fintech) reduce the effectiveness of tighter monetary policy on credit supply and the resulting real effects, and increase risk-taking. For identification, we exploit exhaustive US loan-level data since 1990s and Gertler-Karadi monetary policy shocks....

Persistent link: https://www.econbiz.de/10012287842

Banking Crises under a Central Bank Digital Currency (CBDC)

Bitter, Lea - 2020

One of the main concerns when considering Central Bank Digital Currency (CBDC) is the disintermediating effect on the … central bank which, by accounting identity, must be accompanied by respective accommodations on the asset side. The model …

Persistent link: https://www.econbiz.de/10012287888

Can Fintechs Stabilize the Financial Sector?

Windl, Martin - 2020

The growing popularity of fintechs has led the Financial Stability Board (FSB) to publish considerations about the effects of this emerging industry on stability and efficiency in the financial sector. Against this background, this paper compares the effects of competition and collaboration...

Persistent link: https://www.econbiz.de/10012287910

Utilization of Forecasting Methods for Cryptocurrencies

Šimičević, Vanja; Jurić, Višnja; Starešinić, … - 2020

Electronic money has evolved in one of the relevant ways to achieve electronic payment, that is, a form of payment with significantly lower online transactions. The idea for the development of the above has consolidated the segment of retaining all the favourable characteristics of cash while...

Persistent link: https://www.econbiz.de/10012288759

A Review of Algorithms for Credit Risk Analysis

Salihu, Armend; Shehu, Visar - 2020

The interest collected by the main borrowers is collected to pay back the principal borrowed from the depositary bank. In financial risk management, credit risk assessment is becoming a significant sector. For the credit risk assessment of client data sets, many credit risk analysis methods are...

Persistent link: https://www.econbiz.de/10012288760

Speculative and Precautionary Demand for Liquidity in Competitive Banking Markets

Dietrich, Diemo; Gehrig, Thomas - 2021

We demonstrate that the co-existence of different motives for liquidity preferences profoundly affects the efficiency of financial intermediation. Liquidity preferences arise because consumers wish to take precautions against sudden and unforeseen expenditure needs, and because investors want to...

Persistent link: https://www.econbiz.de/10012623093

Bank Runs, Bank Competition and Opacity

Ahnert, Toni; Martinez-Miera, David - 2021

We model asset opacity and deposit rate choices of banks who imperfectly compete for uninsured deposits, are subject to runs, and face a threat of entry. Higher competition increases deposit rates and bank fragility, resulting in an intermediate socially optimal level of bank competition. We...

Persistent link: https://www.econbiz.de/10012623094

A Model for Central Bank Digital Currencies: Implications for Bank Funding and Monetary Policy

Schiller, Jonathan; Gross, Jonas - 2021

Central bankers express concerns that central bank digital currencies (CBDCs) might disintermediate commercial banks … of the banking sector. Our focus is on the central bank's options to counteract the adverse effects of losses in bank … funding depending on different CBDC designs. We find that the central bank can stabilize the financial sector by acting as a …

Persistent link: https://www.econbiz.de/10012623096