In the U.S., unlike much of the rest of the world, the mixing of banking and commerce is largely prohibited. One … been raised against the mixing of banking and commerce, finding most to be theoretically weak or lacking in empirical … support, and discusses several efficiencies that may arise from the integration of banking and commerce. …

We integrate Basel II (and III) regulations into the industrial organization approach to banking and analyze the … interaction between capital adequacy regulation and credit risk transfer with credit default swaps (CDS) including its effect on … at a certain (potentially distorted) price. Regulation is found to induce the risk-neutral bank to behave in a more risk …

Economists have extensively analyzed the regulation of banks and the banking industry, but have devoted considerably … less attention to bank supervision as a distinct activity. Indeed, much of the banking literature has used the terms … "supervision" and "regulation" interchangeably. This paper provides a heuristic review of the economics literature on …

evidence suggests that the link between capital regulation and banking efficiency is not robust enough to control for other …This paper examines the impact of regulatory policies on banking market efficiency using a sample of 678 commercial …-specific variables. Data on regulation, supervision and monitoring variables, and activity restrictions are from the most recent Bank …

the monetary policy and financial regulation and supervision perspectives. In the preceding SUERF Study (2013/2), the …

The policy debate on whether to strengthen or to remove the legal barriers between banking and commerce has paid little … part of a two-part study, provides an overview of the potential gains of integrating banking and commerce. Economic theory ….S. experience with limited openings between banking and nonbank activities suggests that the most common combinations were banks …

possible benefits from combining banking and commerce, including portfolio diversification, the creation of internal capital … specific industries they choose, while corporate management interested in moving into banking might need to settle for somewhat … lower returns to achieve a substantial reduction in risk. -- banking and commerce ; portfolio diversification …