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' funding advantage in Canada, and on the extent to which market discipline exists across different securities issued by the … Canadian banks. The banking sector in Canada provides a unique setting in which to examine market discipline along with the … prospects of proposed reforms, because Canada has no history of government bailouts. Our results suggest that large banks likely …
Persistent link: https://www.econbiz.de/10010225470
We examine the impact of the recently introduced Basel III countercyclical capital buffer (CCyB) on foreign lending activities of Canadian banks. Using panel data for the six largest Canadian banks and their foreign activities in up to 94 countries, we explore the variation in CCyB rates across...
Persistent link: https://www.econbiz.de/10012694517
The authors document leverage, capital and liquidity ratios of banks in Canada. These ratios are important indicators … compare leverage and capital ratios for banks in Canada and the United States in the period leading up to the recent crisis …. They find that in Canada, most of the risks indicated by these balance-sheet ratios are concentrated among large banks that …
Persistent link: https://www.econbiz.de/10009632234
of the subsidies accruing to systemic banks in Canada. The first is based on credit rating agencies' assessment of public … address TBTF externalities. That said, Canada being an early adopter of Basel III might help explain the significant reduction …
Persistent link: https://www.econbiz.de/10011797528
FinTech lending--known for using big data and advanced technologies--promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to rely heavily on conventional credit scores,...
Persistent link: https://www.econbiz.de/10014250171
FinTech lending—known for using big data and advanced technologies—promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to rely heavily on conventional credit scores,...
Persistent link: https://www.econbiz.de/10014348980
This paper presents a model of strategic buyer-seller networks with information exchange between sellers. Prior to engaging in bargaining with buyers, sellers can share access to buyers for a negotiated transfer. We study how this information exchange affects overall market prices, volumes and...
Persistent link: https://www.econbiz.de/10011576406
Persistent link: https://www.econbiz.de/10012835327
macroprudential policy changes in Canada using a microsimulation model of mortgage demand of first-time homebuyers. Policies targeting …
Persistent link: https://www.econbiz.de/10012956622
Canada's mortgage insurance risk needs a better backstop fund, according to a new report released today by the C ….D. Howe Institute. In “Mortgage Insurance as a Macroprudential Tool: Dealing with the Risk of a Housing Market Crash in Canada … concern over the potential exposure of Canada's mortgage insurance system – and taxpayers …
Persistent link: https://www.econbiz.de/10013019682