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Basel III: Will Borrowing Money from Czech Banks Become More Expensive?
Basel III Capital adequacy Capital requirement Lending spreads
2016/1/27
We estimate the required increase in banks’ lending spreads assuming that banks under regulatory pressure would raise lending spreads to prevent ROE from falling when the capital regulation is tighten...
Global Banks and Crisis Transmission
Banking Integration Co-movement Financial Globalization
2015/9/21
We study the e ect of nancial integration (through banks) on the transmission of international
business cycles. In a sample of 20 developed countries between 1978 and 2009 we nd that, in periods
w...
We present new stylized facts on bank and rm leverage during the period 2000{2009 using
internationally comparable micro level data from many countries. We document the following
patterns: a) there...
A Darker Side to Decentralized Banks:Market Power and Credit Rationing in SME Lending
Geographic Location Customers Financing and Loans Credit Organizational Structure
2015/5/13
We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks-where branch managers have greater autonomy over lending deci...
When Do Foreign Banks Finance Domestic Projects?New Evidence on the Importance of Legal and Financial Systems
International Finance Banks and Banking
2015/5/13
This paper analyzes how different legal and financial systems affect the composition of loan syndicates, and how the composition, in turn, affects loan pricing. In contrast with previous work on the a...
What Do Development Banks Do?Evidence from Brazil,2002-2009
Cost of Capital Credit Equity Banks and Banking Financing and Loans Investment
2015/4/24
While some authors view development banks as an important tool to alleviate capital constraints in scarce credit markets and unlock productive investments, others see those banks as conduits of cheap ...
A Darker Side to Decentralized Banks:Market Power and Credit Rationing in SME Lending
Organizational Structure Financing and Loans Industry Structures Banks and Banking Banking Industry Mexico
2015/4/22
We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks—where branch managers have greater autonomy over lending deci...
Banks and Cross-Border Capital Flows: Policy Challenges and Regulatory Responses
Banks Cross-Border Capital Flows Policy Challenges Regulatory Responses
2014/3/18
Banks and Cross-Border Capital Flows: Policy Challenges and Regulatory Responses。
Operational risk is the risk relative to monetary losses caused by failures of bank internal processes due to heterogeneous causes. A dynamical model including both spontaneous generation of losses an...
TOWARDS A ROLE FOR REGIONAL BANKS -- COMMENT ON "THE ECONOMICS OF REGIONAL DEMARCATION IN BANKING" BY RAAB AND WELZEL
the objective function regional banks severe examination competition between regional and private banks
2011/10/29
The article discusses the role and the objective function of regional banks which have come under severe examination by the European Commission. It criticizes the economics of regional demarcation in ...
Online banks BRANCH OUT
United States Service charges FINANCIAL services industry INTERNET banking
2011/10/3
The article discusses financial services offered by online banks. Banks like ING Direct pay nearly 5% in interest, much more than traditional banks, leading nearly 10 million households in the United ...
New York and the Politics of Central Banks, 1781 to the Federal Reserve Act
banking legislation central bank financial crisis
2011/10/3
The paper provides a brief history of central banking institutions in the United States. Specifically, the authors highlight the role of New York banking interests in the affecting legislations affect...
Legislation harms banks and communities
the effect of legislation banks and communities real estate negative effects
2011/9/30
In this article, the author discusses the effect of legislation to banks and communities in the U.S. He cites an experience wherein he met a banker who told him that their bank is not offering real es...
How Banks in China make Lending Decisions
interviews four major Chinese cities the determinants state-owned commercial banks conventional relationship
2011/9/28
Based on interviews conducted in four major Chinese cities, this paper examines the determinants of lending by state-owned commercial banks (SOCBs) to manufacturing firms in China. The conventional re...
Banks may someday face new out-of-state competitors
the Dodd-Frank Wall Street Reform Consumer Protection Act interstate banking crossing state
2011/9/27
The article focuses on the Dodd-Frank Wall Street Reform and Consumer Protection Act and its impact on interstate banking. The rules for crossing state lines as embodied in the Riegle-Neal Interstate ...