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Author : Anonim
Publisher : Lulu.com
Page : 294 pages
File Size : 42,8 Mb
Release : 2004
Category : Bank capital
ISBN : 9789291316694
Author : William R. Cline
Publisher : Columbia University Press
Page : 248 pages
File Size : 45,7 Mb
Release : 2017-05-23
Category : Business & Economics
ISBN : 9780881327229
The global financial crisis produced an important agreement among regulators in 2010–11 to raise capital requirements for banks to protect them from insolvency in the event of another emergency. In this book, William R. Cline, a leading expert on the global financial system, employs sophisticated economic models to analyze whether these reforms, embodied in the Third Basel Accord, have gone far enough. He calculates how much higher bank capital reduces the risk of banking crises, providing a benefit to the economy. On the cost side, he estimates how much higher capital requirements raise the lending rate facing firms, reducing investment in plant and equipment and thus reducing output in the economy. Applying a plausible range of parameters, Cline arrives at estimates for the optimal level of equity capital relative to total bank assets. This study also challenges the recent "too much finance" literature, which holds that in advanced countries banking sectors are already too large and are curbing growth.
Author : World Bank
Publisher : World Bank Publications
Page : 281 pages
File Size : 41,5 Mb
Release : 2019-11-22
Category : Business & Economics
ISBN : 9781464814969
Over a decade has passed since the collapse of the U.S. investment bank, Lehman Brothers, marked the onset of the largest global economic crisis since the Great Depression. The crisis revealed major shortcomings in market discipline, regulation and supervision, and reopened important policy debates on financial regulation. Since the onset of the crisis, emphasis has been placed on better regulation of banking systems and on enhancing the tools available to supervisory agencies to oversee banks and intervene speedily in case of distress. Drawing on ten years of data and analysis, Global Financial Development Report 2019/2020 provides evidence on the regulatory remedies adopted to prevent future financial troubles, and sheds light on important policy concerns. To what extent are regulatory reforms designed with high-income countries in mind appropriate for developing countries? What has been the impact of reforms on market discipline and bank capital? How should countries balance the political and social demands for a safety net for users of the financial system with potentially severe moral hazard consequences? Are higher capital requirements damaging to the flow of credit? How should capital regulation be designed to improve stability and access? The report provides a synthesis of what we know, as well as areas where more evidence is still needed. Global Financial Development Report 2019/2020 is the fifth in a World Bank series. The accompanying website tracks financial systems in more than 200 economies before, during, and after the global financial crisis (http://www.worldbank.org/en/publication/gfdr) and provides information on how banking systems are regulated and supervised around the world (http://www.worldbank.org/en/research/brief/BRSS).
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations
Publisher : Unknown
Page : 112 pages
File Size : 45,6 Mb
Release : 1987
Category : Bank capital
ISBN : UVA:X030228094
Author : Hal S. Scott
Publisher : Oxford University Press
Page : 354 pages
File Size : 45,6 Mb
Release : 2005-02-17
Category : Business & Economics
ISBN : 9780199883523
This book is timely since the Basel Committee on Banking Supervision at the Bank for International Settlements is in the process of making major changes in the capital rules for banks. It is important that capital adequacy regulation helps to achieve financial stability in the most efficient way. Capital adequacy rules have become a key tool to protect financial institutions. The research contained within the book covers some key issues at stake in the capital requirements for insurance and securities firms. The contributors are among the leading scholars in financial economics and law. Their contributions analyze the use of subordinated debt, internal models, and rating agencies in addition to examining the effect on capital of reinsurance, securitization, credit derivatives, and similar instruments.
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations
Publisher : Unknown
Page : 98 pages
File Size : 51,5 Mb
Release : 1988
Category : Bank capital
ISBN : STANFORD:36105045154718
Author : Benjamin H. Cohen,Michela Scatigna
Publisher : Unknown
Page : 27 pages
File Size : 50,8 Mb
Release : 2014
Category : Bank capital
ISBN : 9291311448
Author : Caroline R. Mendoza
Publisher : Unknown
Page : 131 pages
File Size : 46,5 Mb
Release : 2015
Category : Banks and banking, International
ISBN : 163482430X
The Basel III international regulatory framework, which was produced in 2010 by the Basel Committee on Banking Supervision at the Bank for International Settlements, is the latest in a series of evolving agreements among central banks and bank supervisory authorities to standardize bank capital requirements, among other measures. Capital serves as a cushion against unanticipated financial shocks, which can otherwise lead to insolvency. The Basel III regulatory reform package revises the definition of regulatory capital and increases capital holding requirements for banking organizations. This book summarizes the higher capital requirements for U.S. banks regulated for safety and soundness. It examines how the U.S. Basel III regulations may affect U.S. banks, including smaller ones; and implementation of Basel III by different countries and other jurisdictions may affect U.S. banking organizations' international competitiveness.
Author : Benjamin H. Cohen,Michela Scatigna
Publisher : Unknown
Page : 27 pages
File Size : 42,7 Mb
Release : 2014
Category : Bank capital
ISBN : 9291311545
Author : Ms.Deniz O Igan,Ali Mirzaei
Publisher : International Monetary Fund
Page : 64 pages
File Size : 52,5 Mb
Release : 2020-06-19
Category : Business & Economics
ISBN : 9781513548104
Whether and to what extent tougher bank regulation weighs on economic growth is an open empirical question. Using data from 28 manufacturing industries in 50 countries, we explore the extent to which cross-country differences in bank liquidity and capital levels were related to differences in sectoral activity around the period of the global financial crisis. We find that industries which are more dependent on external finance, in countries where banks had higher liquidity and capital ratios, performed relatively better during the crisis, with regard to investment rates and the creation of new enterprises. This relationship, however, exists only for bank-based systems and emerging market economies. In the pre-crisis period, we find only a marginal link to bank capital. These findings survive a battery of robustness checks and provide some solid support for the tighter prudential measures introduced under Basel III.
Author : Jihad Dagher,Mr.Giovanni Dell'Ariccia,Mr.Luc Laeven,Mr.Lev Ratnovski,Mr.Hui Tong
Publisher : International Monetary Fund
Page : 38 pages
File Size : 47,8 Mb
Release : 2016-03-03
Category : Business & Economics
ISBN : 9781498387712
The appropriate level of bank capital and, more generally, a bank’s capacity to absorb losses, has been at the core of the post-crisis policy debate. This paper contributes to the debate by focusing on how much capital would have been needed to avoid imposing losses on bank creditors or resorting to public recapitalizations of banks in past banking crises. The paper also looks at the welfare costs of tighter capital regulation by reviewing the evidence on its potential impact on bank credit and lending rates. Its findings broadly support the range of loss absorbency suggested by the Financial Stability Board (FSB) and the Basel Committee for systemically important banks.
Author : United States. General Accounting Office
Publisher : Unknown
Page : 52 pages
File Size : 41,5 Mb
Release : 1991
Category : Bank capital
ISBN : UCSD:31822006897847
Author : Juan Ramirez
Publisher : John Wiley & Sons
Page : 563 pages
File Size : 48,7 Mb
Release : 2017-02-21
Category : Business & Economics
ISBN : 9781119330820
A deeper examination of Basel III for more effective capital enhancement The Handbook of Basel III Capital – Enhancing Bank Capital in Practice delves deep into the principles underpinning the capital dimension of Basel III to provide a more advanced understanding of real-world implementation. Going beyond the simple overview or model, this book merges theory with practice to help practitioners work more effectively within the regulatory framework, and utilise the complex rules to more effectively allocate and enhance capital. A European perspective covers the CRD IV directive and associated guidance, but practitioners across all jurisdictions will find value in the strategic approach to decisions surrounding business lines and assets; an emphasis on analysis urges banks to shed unattractive positions and channel capital toward opportunities that actually fit their risk and return profile. Real-world cases demonstrate successful capital initiatives as models for implementation, and in-depth guidance on Basel III rules equips practitioners to more effectively utilise this complex regulatory treatment. The specifics of Basel III implementation vary, but the underlying principles are effective around the world. This book expands upon existing guidance to provide a deeper working knowledge of Basel III utility, and the insight to use it effectively. Improve asset quality and risk and return profiles Adopt a strategic approach to capital allocation Compare Basel III implementation varies across jurisdictions Examine successful capital enhancement initiatives from around the world There is a popular misconception about Basel III being extremely conservative and a deterrent to investors seeking attractive returns. In reality, Basel III presents both the opportunity and a framework for banks to improve their assets and enhance overall capital – the key factor is a true, comprehensive understanding of the regulatory mechanisms. The Handbook of Basel III Capital – Enhancing Bank Capital in Practice provides advanced guidance for advanced practitioners, and real-world implementation insight.
Author : Arno Hetzel
Publisher : GRIN Verlag
Page : 17 pages
File Size : 44,9 Mb
Release : 2017-12-05
Category : Business & Economics
ISBN : 9783668587946
Studienarbeit aus dem Jahr 2016 im Fachbereich BWL - Investition und Finanzierung, School of Oriental and African Studies, University of London, Veranstaltung: Bank Financial Management, Sprache: Deutsch, Abstract: In this paper, the impact of higher capital requirements to the capital adequacy of banks as well as its consequences to the financial system will be discussed. Therefore, these terms will be explained and an overview of the developed guidelines will be given. With the help of that knowledge, the actual challenges for financial institutions can be set in relation to these rules in order to find an appropriate level of banking regulation. This topic has a special meaning to society, because the banking sector is highly leveraged and can cause great economic damage if there is a lack of sufficient risk management.
Author : Mr.Ralph Chami,Mr.Thomas F. Cosimano,Emanuel Kopp,Ms.Celine Rochon
Publisher : International Monetary Fund
Page : 20 pages
File Size : 46,7 Mb
Release : 2017-08-07
Category : Business & Economics
ISBN : 9781484314258
This paper compares the current regulatory capital requirements under the Dodd-Frank Act (DFA) and the 10-percent leverage ratio, as proposed by the U.S. Treasury and the U.S. House of Representatives' Financial CHOICE Act (FCA). We find that the majority of U.S. banks would not qualify for an "off-ramp"option—where regulatory relief is offered to FCA qualifying banks (QBOs)—unless considerable amounts of capital are added, and that large banks are much closer to the proposed leverage threshold and, therefore, are more likely to stand to gain from regulatory relief. The paper identifies an important moral hazard problem that arises due to the QBO optionality, where banks are likely to increase the riskiness of their asset portfolio and qualify for the FCA “off-ramp” relief with unintended effects on financial stability.