deregulation unambiguously leads to riskier bank behaviour in terms of higher OBSA adoption …Through the interest rate deregulation and banks' off-balance-sheet activities (OBSAs) in Hong Kong, this study … investigates the debate over the impact of banking deregulation on banks' risk-taking behaviour. On one hand, the Arrow effect …

that IRRs deregulation would benefit, rather than hurt, bank earnings. Furthermore, large banks and banks with high growth …This working paper was written by Simon H. Kwan (Federal Reserve Bank of San Francisco).This paper examines the impact … of deposit rate deregulation on the market value of banks in Hong Kong. We do not find that the release of the Consumer …

differences in the bank-customer relationship under the new interaction model. Second is to enhance transparency and disclosure of … the technology involved in virtual bank operation. Third is to provide greater assistance to customers to improve their … comprehensiveness of the increasing complexity of bank operation, particularly for those who do not have high financial literacy and …