costs of moving to higher capital ratios may lead banks to raise their lending rates and reduce lending. This note explores … the near-term implications of Basel III capital regulations on bank flows to emerging markets, based on an analysis of the …

This paper uses a series of experiments with commercial bank loan officers to test the effect of performance incentives … on risk-assessment and lending decisions. The paper first shows that, while high-powered incentives lead to greater … screening effort and more profitable lending, their power is muted by both deferred compensation and the limited liability …

We use an experiment with commercial bank loan officers to test how performance based compensation affects risk …-assessment and lending. High-powered incentives lead to greater screening effort and more profitable lending decisions. This effect …

to idiosyncratic factors. In particular, the bank-specific credit growth rates - usually thought of as a measure of …

since the early 1990s indicates that a deterioration in bank health is associated with a decline in the growth of credit to …