Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … by public savings banks, credit cooperatives, public promotional banks, and guarantee banks using the "housebank" model … implementing the right to a basic bank account with an overdraft facility and protection against attachment, establishing public …

commercial bank, the authors choose Archimedean Copula to fit the default relationship between loans, combined with the loss … more suitable for measuring the unique risk characteristic of SMEs loans. Empirical evidence shows that compared with the …-adjusted returns, higher economic capital adequacy ratios, and ultimately stronger banks' capabilities to tolerate risk events …