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The Failure of Northern Rock: A multi-dimensional Case Study

Congdon, Tim; Goodhart, Charles A.E.; Eisenbeis, Robert A. - 2009

In August 2007 the United Kingdom experienced its first bank run in over 140 years. Although Northern Rock was not a particularly large bank (it was at the time ranked 7th in terms of assets) it was nevertheless a significant retail bank and a substantial mortgage lender. In fact, ten years...

Persistent link: https://www.econbiz.de/10011689937

The role of deposit guarantee schemes (DGSs) within the crisis management framework

Gortsos, Christos V. - 2020

The present study undertakes an overview of the role of deposit guarantee schemes (DGSs) within the banking crisis management framework. It is structured in four Section:Section 1 discusses the policy objectives of DGSs, namely the protection of depositors and the contribution to the stability...

Persistent link: https://www.econbiz.de/10012437049

Shadow banking and financial stability under limited deposit insurance

Voellmy, Lukas - 2019

I study the relation between shadow banking and financial stability in an economy in which banks are susceptible to self-fulfilling runs and in which government-backed deposit insurance is limited. Shadow banks issue only uninsured deposits while commercial banks issue both insured and uninsured...

Persistent link: https://www.econbiz.de/10012135982

Liquidity in resolution : estimating possible liquidity gaps for specific banks in resolution and in a systemic crisis

Amamou, Raschid; Baumann, Andreas; Chalamandaris, Dimitrios - 2020

This paper contributes to the debate on liquidity in resolution by providing a quantitative assessment of liquidity … gaps of banks in resolution in the euro area. It estimates possible ranges of liquidity gaps for significant banks under … different assumptions and scenarios. The findings suggest that, while the average liquidity gaps in resolution are limited, the …

Persistent link: https://www.econbiz.de/10012313295

Allocating losses: bail-ins, bailouts and bank regulation

Keister, Todd; Mitkov, Yuliyan - 2020

We study the interaction between a government's bailout policy and banks' willingness to impose losses on (or \bail in") their investors. The government has limited commitment and may choose to bail out banks facing large losses. The anticipation of this bailout undermines a bank's private...

Persistent link: https://www.econbiz.de/10012418049

It's Time to Regulate Stablecoins as Deposits and Require Their Issuers to Be FDIC-Insured Banks

Wilmarth, Arthur E. - 2022

In November 2021, the President’s Working Group on Financial Markets (PWG) issued a report analyzing the rapid expansion and growing risks of the stablecoin market. PWG’s report determined that stablecoins pose a wide range of potential hazards, including the risks of inflicting large losses...

Persistent link: https://www.econbiz.de/10013309420

Home country versus cross-border negative externalities in barge banking organization failures and how to avoid them

Eisenbeis, Robert A. (contributor) - 2006

suggests that the chief negative externalities are associated with credit losses and losses due to liquidity problems, and …

Persistent link: https://www.econbiz.de/10003730539

Why Prudential Regulation Will Fail to Prevent Financial Crises : A Legal Approach

Prates, Marcelo - 2014

In this paper, I suggest that the regulation of the financial system, especially if the aim is to prevent financial crises, should be focused on dealing with the consequences of the crises, not on trying to avoid their causes, although it may seem counterintuitive at first sight. Contrary to the...

Persistent link: https://www.econbiz.de/10013061343

Banking Crisis and the Japanese Legal Framework

Tirado, Ignacio - 2017

This paper presents an overview of the Japanese system to deal with the distress of banks, providing a classification of the regulation and remedies based on the level of systemic risk of the troubled entity. The paper differentiates between the types of actions available and analyses in detail...

Persistent link: https://www.econbiz.de/10012960405

Higher Capital and Liquidity Regulations of Basel Standards Have Made Banks and Banking Systems Become More Prone to Financial and Economic Crises

Taskinsoy, John - 2019

Basel II and III standards are a regulatory consequence following two major crises in systemic nature, the homegrown Asian crisis of 1997-98 and the global financial crisis of 2007-08. Basel I, despite high expectations and claims by the Basel Committee, failed to prevent the following financial...

Persistent link: https://www.econbiz.de/10012868776