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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 … securitization activity, weak supervision for bank capital and too low for too long monetary policy rates. Conversely, low long … origins of the crisis and have important policy implications. - Lending standards ; monetary policy ; securitization ; bank …
Persistent link: https://www.econbiz.de/10008659386
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The limits of model-based regulation
Behne, Markus Wilhelm; Haselmann, Rainer; Vig, Vikrant - 2014
In this paper, we investigate how the introduction of complex, model-based capital regulation affected credit risk of financial institutions. Model-based regulation was meant to enhance the stability of the financial sector by making capital charges more sensitive to risk. Exploiting the...
Persistent link: https://www.econbiz.de/10010403970
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The limits of model-based regulation
Behn, Markus; Haselmann, Rainer; Vig, Vikrant - 2014
In this paper, we investigate how the introduction of complex, model-based capital regulation affected credit risk of financial institutions. Model-based regulation was meant to enhance the stability of the financial sector by making capital charges more sensitive to risk. Exploiting the...
Persistent link: https://www.econbiz.de/10010436805
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Impediments to resolvability - what is the status quo
Gortsos, Christos V. - 2021
This study develops on the status quo in relation to the assessment of resolvability of credit institutions and banking groups in the Banking Union and the removal of substantive impediments to their resolvability under the EU legal framework governing banking resolution, as in force, taking due...
Persistent link: https://www.econbiz.de/10012795426
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A macro approach to international bank resolution
Schoenmaker, Dirk - 2017
bank resolution regimes. While such resolution regimes are welcome to reintroduce market discipline and reduce the reliance … need for a fiscal backstop to the financial system. For bail-in to work, it is important that bail-inable bank bonds are … working together, including in terms of sharing the burden of a potential bank bailout. The euro area has adopted the latter …
Persistent link: https://www.econbiz.de/10011978339
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Protecting depositors and saving money : why deposit guarantee schemes in the EU should be able to support transfers of assets and liabilities when a bank fails
Eule, Joachim; Kastelein, Wieger; Sala, Edoardo - 2022
transfers in the event of a bank's insolvency provides important economic benefits. However, only 11 EU Member States have so …
Persistent link: https://www.econbiz.de/10013402050
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The crisis as a wake-up call : do banks tighten screening and monitoring during a financial crisis?
Haas, Ralph de; Horen, Neeltje van - 2010
indicates that the reduction in bank lending during the crisis was at least partly caused by stricter bank screening and … monitoring: a wake-up call. -- bank lending ; financial crisis ; loan retention ; screening and monitoring ; syndication …
Persistent link: https://www.econbiz.de/10003994253
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Liberalization and regulation of international capital flows : where the opposites meet
Nunnenkamp, Peter - 2001
The paper discusses the pros and cons of capital account liberalization. Rather than contrasting liberalization and regulation of capital flows as irreconcilable antagonisms, we argue that capital account liberalization requires institutional and regulatory safeguards. Even though the...
Persistent link: https://www.econbiz.de/10011490391
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Instabile Finanzmärkte
Franke, Günter; Krahnen, Jan Pieter - 2009
Die Vorstellung selbst-stabilisierender, zum Gleichgewicht tendierender Finanzmärkte, lange Zeit als Selbstverständlichkeit angesehen, ist durch die aktuelle Banken- und Kreditkrise in Frage gestellt. Trotz ausgefeilten Risikomanagements der Banken und einer an Basel II orientierten Aufsicht...
Persistent link: https://www.econbiz.de/10003864312
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International financial reforms : capital standards, resolution regimes and supervisory colleges, and their effect on emerging markets
Alford, Duncan E. - 2013
financial crisis of 2007 - 2009: (1) the improved capital requirements intended to reduce the risk of bank failure ("Basel III …
Persistent link: https://www.econbiz.de/10009690842