public guarantee programmes and by the European Central Bank’s policies on the provision of liquidity to credit institutions …

financing instruments for banks and means of payment for bank customers implies spillover effects of bank lending. After a bank … finances loans with new deposits, the deposit holders' payments cause reserves and deposits to flow from the lending bank to … that generate respectively strategic complementarity and strategic substitution in banks' lending decisions. We model bank …

and traditional bank payments. I show that Big Tech's capacity for private money creation depends on the FinTech payment … market share, which determines users' tendency to convert FinTech money into bank money. The growing market share of FinTech …

. We use a unique database for the French banking sector between 2003 and 2011 combining confidential bank-level Bank …

. We use a unique database for the French banking sector between 2003 and 2011 combining confidential bank-level Bank …

allocation, which in turn is affected by the risk weights used to set capital requirements on bank loans. We find that when firms … are credit constrained, the optimal risk weights are flatter than those that are only set to safeguard against bank …

requirements. We find that an increase in the bankspecific regulatory capital requirement results in a higher bank capital ratio … and higher bank leverage. We do not observe differences between confidential and public disclosure of capital requirements …. Our results empirically illustrate a tradeoff between bank resilience and a fostering of the economy through more bank …

Bank capital ratios have increased steadily since the financial crisis. For a sample of 94 large banks from advanced …