The Effects Of Bank Capital On Lending
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The Effects of Bank Capital on Lending
![The Effects of Bank Capital on Lending](https://youbookinc.com/wp-content/uploads/2024/06/cover.jpg)
Author | : Jose M. Berrospide |
Publsiher | : Unknown |
Total Pages | : 50 |
Release | : 2016 |
Genre | : Electronic Book |
ISBN | : OCLC:1306285991 |
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The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. We use panel-regression techniques - following Bernanke and Lown (1991) and Hancock and Wilcox (1993, 1994) - to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. We then consider the effect of capital ratios on lending using a variant of Lown and Morgan's (2006) VAR model, and again find modest effects of bank capital ratio changes on lending. These results are in marked contrast to estimates obtained using simple empirical relations between aggregate commercial-bank assets and leverage growth, which have recently been very influential in shaping forecasters' and policymakers' views regarding the effects of bank capital on loan growth. Our estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments.
Bank Capital and Lending An Extended Framework and Evidence of Nonlinearity
Author | : Mr.Mario Catalan,Alexander W. Hoffmaister,Cicilia Anggadewi Harun |
Publsiher | : International Monetary Fund |
Total Pages | : 42 |
Release | : 2017-11-16 |
Genre | : Business & Economics |
ISBN | : 9781484325995 |
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This paper studies the transmission of bank capital shocks to loan supply in Indonesia. A series of theoretically founded dynamic panel data models are estimated and find nonlinear effects of capital on loan growth: the response of weaker banks to changes in their capital positions is larger than that of stronger banks. This non-linearity implies that not only the level of capital but also its distribution across banks in the financial system affects the transmission of shocks to aggregate lending. Likewise, the effects of bank recapitalization on loan growth depend on banks’ starting capital positions and the size of capital injections.
Effects of Bank Capital on Lending
Author | : Joseph M. Berrospide |
Publsiher | : DIANE Publishing |
Total Pages | : 50 |
Release | : 2011-04 |
Genre | : Business & Economics |
ISBN | : 9781437939866 |
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The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. The authors use panel-regression techniques to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. They then consider the effect of capital ratios on lending using a variant of Lown and Morgan's VAR model, and again find modest effects of bank capital ratio changes on lending. The authors¿ estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments. Illus. A print on demand pub.
The Effects of Bank Capital on Lending
![The Effects of Bank Capital on Lending](https://youbookinc.com/wp-content/uploads/2024/06/cover.jpg)
Author | : Anonim |
Publsiher | : Unknown |
Total Pages | : 50 |
Release | : 2010 |
Genre | : Bank capital |
ISBN | : OCLC:667153648 |
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"The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. We use panel-regression techniques following Bernanke and Lown (1991) and Hancock and Wilcox (1993, 1994) to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. We then consider the effect of capital ratios on lending using a variant of Lown and Morgan's (2006) VAR model, and again find modest effects of bank capital ratio changes on lending. These results are in marked contrast to estimates obtained using simple empirical relations between aggregate commercial-bank assets and leverage growth, which have recently been very influential in shaping forecasters' and policymakers' views regarding the effects of bank capital on loan growth. Our estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments."--Abstract.
The Effects of Higher Bank Capital Requirements on Credit in Peru
Author | : Xiang Fang,David Jutrsa,Mr.Maria Soledad Martinez Peria,Andrea Presbitero,Mr.Lev Ratnovski,Mr.Felix J Vardy |
Publsiher | : International Monetary Fund |
Total Pages | : 34 |
Release | : 2018-09-28 |
Genre | : Business & Economics |
ISBN | : 9781484378366 |
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This paper offers novel evidence on the impact of raising bank capital requirements in the context of an emerging market: Peru. Using quarterly bank-level data and exploiting the adoption of bank-specific capital buffers, we find that higher capital requirements have a short-lived, negative impact on bank credit in Peru, although this effect becomes statistically insignificant in about half a year. This finding is robust to estimating different specifications to address concerns about the exogeneity of capital requirements. The fact that the reform was gradual and pre-announced and that banks were highly profitable at the time could explain the short-lived effects on credit.
Bank Capital and Loan Loss Reserves Under Basel II
Author | : Giovanni Majnoni,Margaret Jane Miller,Andrew Philip Powell |
Publsiher | : World Bank Publications |
Total Pages | : 31 |
Release | : 2004 |
Genre | : Bank capital |
ISBN | : 9182736450XXX |
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"Majnoni, Miller, and Powell propose an integrated approach to minimum bank capital and loan loss reserves regulation. They break new ground in two main areas. First, the authors provide an explicit measurement of the credit loss distribution for a sample of emerging countries providing a benchmark for discussing the appropriate calibration of new regulatory capital and loan loss provision requirements for non-G10 countries. Second, on normative grounds, they propose a simplified version of the "internal rating based" (IRB) approach as a transition tool that, while retaining a risk-based definition of solvency ratios, implies reduced supervisory monitoring costs and could therefore be of interest to emerging countries where supervisory resources are particularly scarce. This paper--a product of the Finance Cluster Sector Unit, Latin America and the Caribbean Region--is part of a larger effort in the region to analyze the effects of bank capital regulation"--World Bank web site.
Banks and Capital Requirements
![Banks and Capital Requirements](https://youbookinc.com/wp-content/uploads/2024/06/cover.jpg)
Author | : Benjamin H. Cohen,Michela Scatigna |
Publsiher | : Unknown |
Total Pages | : 27 |
Release | : 2014 |
Genre | : Bank capital |
ISBN | : 9291311448 |
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Benefits and Costs of Bank Capital
Author | : Jihad Dagher,Mr.Giovanni Dell'Ariccia,Mr.Luc Laeven,Mr.Lev Ratnovski,Mr.Hui Tong |
Publsiher | : International Monetary Fund |
Total Pages | : 38 |
Release | : 2016-03-03 |
Genre | : Business & Economics |
ISBN | : 9781498387712 |
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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.