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The Evolution And Impact Of Bank Regulations
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Book Synopsis The Evolution and Impact of Bank Regulations by : James R. Barth
Download or read book The Evolution and Impact of Bank Regulations written by James R. Barth and published by . This book was released on 2017 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper reassesses what works in banking regulation based on the new World Bank survey (Survey IV) of bank regulation and supervision around world. The paper briefly presents new and official survey information on bank regulations in more than 125 countries, makes comparisons with earlier surveys since 1999, and assesses the relationship between changes in bank regulations and banking system performance. The data suggest that many countries made capital regulations more stringent and granted greater discretionary power to official supervisory agencies over the past 12 years, but most countries have not enhanced the ability and incentives of private investors to monitor banks rigorously -- and several have weakened such private monitoring incentives. Although it is difficult to draw causal inferences from thesedata, and while there are material cross-country differences in the evolution of regulatory reforms, existing evidence suggests that many countries are making counterproductive changes to their bank regulations by not enhancing the ability and incentives of private investors to scrutinize banks.
Book Synopsis The Impact of Bank Regulations, Concentration, and Institutions on Bank Margins by : Asl? Demirgüç-Kunt
Download or read book The Impact of Bank Regulations, Concentration, and Institutions on Bank Margins written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 2003 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the impact of bank regulations, concentration, inflation, and national institutions on bank net interest margins using data from over 1,400 banks across 72 countries while controlling for bank-specific characteristics. The data indicate that tighter regulations on bank entry and bank activities boost net interest margins. Inflation also exerts a robust, positive impact on bank margins. While concentration is positively associated with net interest margins, this relationship breaks down when controlling for regulatory impediments to competition and inflation. Furthermore, bank regulations become insignificant when controlling for national indicators of economic freedom or property rights protection, while these institutional indicators robustly explain cross-bank net interest margins. So, bank regulations cannot be viewed in isolation. They reflect broad, national approaches to private property and competition.
Book Synopsis The Evolution of Regulations in Banking by : Mehmet Hasan Eken
Download or read book The Evolution of Regulations in Banking written by Mehmet Hasan Eken and published by . This book was released on 2014 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: The question about the specialness of banks has been the center of debates amongst academicians and regulators over a long period of time as leading to extensive regulations for controlling and supervision of banks. The base regulations, though not legally compulsory, have been those developed and published by Basel Committee since mid-1970s. The main intention of these regulations is to assure globally sound and stable financial systems in individual countries that will eventually lead to a stable economy across the globe. However, the recent financial crisis has proved that the banking regulations have not served as intended and yet they are under major revisions again. In this paper it is intended to investigate the evolution of bank regulations with a particular attention to the scope of banking, capital adequacy and deposit insurance. It will be another focal point of this paper to draw attention to the existence of cycles in the processes of regulations that makes regulations to move between two extremities; tight and loose regulations. In this manuscript these issues are investigated with an analysis of related literature and with specific observation on the evolution of regulations in the USA.
Book Synopsis The Evolution of Banking Regulation Since the Financial Crisis by : Andrea Sironi
Download or read book The Evolution of Banking Regulation Since the Financial Crisis written by Andrea Sironi and published by . This book was released on 2019 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the 2008 financial crisis a major process of regulatory reform of the banking industry took place with the aim of increasing the resilience of the financial system. More specifically, the regulatory changes introduced after the financial crisis were aimed at pursuing three main objectives: (i) improve the resilience of individual banks, thereby reducing the risk of financial institutions to fail, (ii) improve the resilience of the financial system as a whole, limiting the risk of spillovers to the broader economy that would be triggered by the failure of large financial institutions, and (iii) reduce the risk for taxpayers to bear the cost of future banking crisis. Starting from an exam of the main weaknesses of the banking regulatory framework highlighted by the financial crisis, this paper provides a detailed analysis of the Basel 3 reform, its main goals, timing and technical features. It then examines the more recent revisions of the Basel 3 framework - often called “Basel 4” - and the new requirements associated to bank resolution policies, i.e. the “total loss absorbing capacity” (TLAC) and the “minimum required eligible liabilities” (MREL). These regulatory reforms are then critically discussed, both though the analysis of their impact on the banking industry, and with recourse to the available empirical evidence. This evidence shows that the banking industry did register a significant increase in the amount and quality of equity capital, mostly achieved through capital increases, and in liquidity. This led to a decrease in the probability of future large banks defaults and in the incentive for banks to take on excessive risks. Also, by introducing bail in mechanisms for banks' liabilities, these reforms reduced the likelihood of future crisis being supported by taxpayers via government bail outs. However, a number of threats are still being faced by the banking industry. These include profitability, a necessary condition for a bank to be sustainable over time, the sovereign-banks “doom loop”, and the possibility of future recessions, as banks' safety and soundness is inevitably linked to the state of the economy.
Book Synopsis The Evolution of Banking Regulation in the European Union by : Nikolay Gertchev
Download or read book The Evolution of Banking Regulation in the European Union written by Nikolay Gertchev and published by Rowman & Littlefield. This book was released on 2023-07-31 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book rejects the modern tendency to evaluate banking regulation without reference to monetary theory by positioning the economic analysis of banking regulation within monetary economics.
Book Synopsis Banking and Beyond by : Caterina Cruciani
Download or read book Banking and Beyond written by Caterina Cruciani and published by Springer Nature. This book was released on 2020-08-13 with total page 269 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the evolution of the banking sector and the financing tools it fosters, addressing the impact of new regulations and the ensuing opportunities for financial institutions, firms, and individuals. Written in two parts, the project includes papers presented at the 2019 Annual Conference of the Wolpertinger Club - The European Association of University Teachers in Banking and Finance. The first part addresses the impact of policy changes on banks and financial institutions, particularly the impact of recent changes in European policy. The authors explore how policy has been, and is, communicated and how it shapes new incentives and challenges for the banking sector and institutional and individual investors. The book touches upon the debate on the 'bail-in' vs 'bail-out' options and reviews new opportunities for investors on covered and subordinated bond markets in Europe, covering the new regulatory structure provided by the European authorities. The second part explores new financing tools besides the traditional banking sector available to firms and individuals, examining financing options for firms and individuals, and describing the role that alternative capital-market tools such as mini bonds and crowdfunding are playing within the landscape of SME financing. Arguing that financing decisions can ultimately affect the survival rate of startups, this edited collection will be valuable to those researching both finance and business, but particularly to those studying banking, financial institutions and entrepreneurial finance.
Book Synopsis Global Bank Regulation by : Heidi Mandanis Schooner
Download or read book Global Bank Regulation written by Heidi Mandanis Schooner and published by Academic Press. This book was released on 2009-11-24 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Global Bank Regulation: Principles and Policies covers the global regulation of financial institutions. It integrates theories, history, and policy debates, thereby providing a strategic approach to understanding global policy principles and banking. The book features definitions of the policy principles of capital regularization, the main justifications for prudent regulation of banks, the characteristics of tools used regulate firms that operate across all time zones, and a discussion regarding the 2007-2009 financial crises and the generation of international standards of financial institution regulation. The first four chapters of the book offer justification for the strict regulation of banks and discuss the importance of financial safety. The next chapters describe in greater detail the main policy networks and standard setting bodies responsible for policy development. They also provide information about bank licensing requirements, leading jurisdictions, and bank ownership and affiliations. The last three chapters of the book present a thorough examination of bank capital regulation, which is one of the most important areas in international banking. The text aims to provide information to all economics students, as well as non-experts and experts interested in the history, policy development, and theory of international banking regulation. Defines the over-arching policy principles of capital regulation Explores main justifications for the prudent regulation of banks Discusses the 2007-2009 financial crisis and the next generation of international standards of financial institution regulation Examines tools for ensuring the adequate supervision of a firm that operates across all time zones
Book Synopsis Institutional Diversity in Banking by : Ewa Miklaszewska
Download or read book Institutional Diversity in Banking written by Ewa Miklaszewska and published by Springer. This book was released on 2016-12-20 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a comparative analysis of how post-crisis restructuring has affected the evolution and prospects of small, locally-oriented banks. The discussion focuses specifically on “small” European countries; that is, countries with diversified banking systems, with a strong presence of cooperative and other forms of local banks. Such countries include highly developed economies like Italy and emerging European economies, such as Poland. The authors stress the unique importance of local banks in generating credit for both households and firms, and hence in contributing to overall economic growth. Chapters cohere around the argument that although smaller banks fared better than their larger counterparts the recent financial crisis, they have been directly and indirectly discriminated against in post-crisis restructuring schemes, and, as such, face many operational and strategic challenges today. The contributors are a distinguished group of researchers with expert knowledge of the competitive positions of and opportunities for locally oriented banks, who combine theoretical and empirical perspectives on these topics.
Book Synopsis Rethinking Bank Regulation by : James R. Barth
Download or read book Rethinking Bank Regulation written by James R. Barth and published by Cambridge University Press. This book was released on 2008-05-12 with total page 446 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume presents a new database on bank regulation in over 150 countries. It offers a comprehensive cross-country assessment of the impact of bank regulation on the operation of banks and assesses the validity of the Basel Committee's influential approach to bank regulation.
Book Synopsis An Examination of the Theory and the Effect of Laws Regulating the Amount of Specie in Banks (1860) by : Samuel Hooper
Download or read book An Examination of the Theory and the Effect of Laws Regulating the Amount of Specie in Banks (1860) written by Samuel Hooper and published by . This book was released on 2008-06-01 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This scarce antiquarian book is a facsimile reprint of the original. Due to its age, it may contain imperfections such as marks, notations, marginalia and flawed pages. Because we believe this work is culturally important, we have made it available as part of our commitment for protecting, preserving, and promoting the world's literature in affordable, high quality, modern editions that are true to the original work.
Book Synopsis The Oxford Handbook of Financial Regulation by : Niamh Moloney
Download or read book The Oxford Handbook of Financial Regulation written by Niamh Moloney and published by OUP Oxford. This book was released on 2015-08-27 with total page 817 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial system and its regulation have undergone exponential growth and dramatic reform over the last thirty years. This period has witnessed major developments in the nature and intensity of financial markets, as well as repeated cycles of regulatory reform and development, often linked to crisis conditions. The recent financial crisis has led to unparalleled interest in financial regulation from policymakers, economists, legal practitioners, and the academic community, and has prompted large-scale regulatory reform. The Oxford Handbook of Financial Regulation is the first comprehensive, authoritative, and state of the art account of the nature of financial regulation. Written by an international team of leading scholars in the field, it takes a contextual and comparative approach to examine scholarly, policy, and regulatory developments in the past three decades. The first three parts of the Handbook address the underpinning horizontal themes which arise in financial regulation: financial systems and regulation; the organization of financial system regulation, including regional examples from the EU and the US; and the delivery of outcomes and regulatory techniques. The final three Parts address the perennial objectives of financial regulation, widely regarded as the anchors of financial regulation internationally: financial stability, market efficiency, integrity, and transparency; and consumer protection. The Oxford Handbook of Financial Regulation is an invaluable resource for scholars and students of financial regulation, economists, policy-makers and regulators.
Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Book Synopsis The Impact of Bank Regulations, Concentration, and Institutions on Bank Margins by : Asli Demirgüç-Kunt
Download or read book The Impact of Bank Regulations, Concentration, and Institutions on Bank Margins written by Asli Demirgüç-Kunt and published by . This book was released on 2016 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the impact of bank regulations, concentration, inflation, and national institutions on bank net interest margins using data from over 1,400 banks across 72 countries while controlling for bank-specific characteristics. The data indicate that tighter regulations on bank entry and bank activities boost net interest margins. Inflation also exerts a robust, positive impact on bank margins. While concentration is positively associated with net interest margins, this relationship breaks down when controlling for regulatory impediments to competition and inflation. Furthermore, bank regulations become insignificant when controlling for national indicators of economic freedom or property rights protection, while these institutional indicators robustly explain cross-bank net interest margins. So, bank regulations cannot be viewed in isolation. They reflect broad, national approaches to private property and competition.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to understand the impact of bank concentration and competition.
Book Synopsis Towards an Evolutionary Theory of Banking Regulation by : Leonardo Giani
Download or read book Towards an Evolutionary Theory of Banking Regulation written by Leonardo Giani and published by . This book was released on 2010 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work aims to show how the present banking regulations of two very different countries like U.S. and Italy can be viewed as two outcomes of the same evolutionary path. By summing up the legislative evolution of both countries and putting it into its historical economic context, the present work wants to show two things. First, both systems have been and are just two different answers to the same problems. Second, after the World War II the globalization started to prevail on the other forces, driving both countries to adopt more similar and converging legislations.
Book Synopsis The Evolution of Bank Regulation by : Erik Michael Filipiak
Download or read book The Evolution of Bank Regulation written by Erik Michael Filipiak and published by . This book was released on 2011 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation investigates the evolution of commercial bank regulation by focusing on what lawmakers enact, how regulators implement it, and how it evolves. Much of the scholarly literature conceives of regulation either as a tool that is captured by the regulated industry or as a means by which government officials castigate business. According to these conceptions, relatively stable and consistent patterns of influence develop whereby one set of actors directs the actions of other actors within this policy realm. Not only do these approaches incompletely model the policymaking process, but they also oversimplify the relationships between the actors. In contrast, I argue that these conceptions of regulation are inaccurate and that banking regulation is a case of pluralism. By examining the periods with multiple federal regulators that were also marked by significant instabilities in the banking system, I argue that the evolution of regulation is more accurately understood as a process of "partisan mutual adjustment." According to this conception, multiple actors within this policy realm exist in a state of interdependence in which they interact consequentially and exert influence upon the others whenever they choose to do so. This relationship among the actors explains the unusual policymaking pattern over this period in which numerous crises struck the banking sector, yet the actors persisted in their "deregulatory" efforts despite these events. Through this examination of banking regulation, my dissertation suggests policymakers be much more cognizant of the interdependencies among the actors and the countermoves that one actor's moves can trigger in this dynamic environment. This approach prepares policymakers to institute reforms more likely to succeed at averting another financial crisis.
Book Synopsis Emerging Issues in Banking Regulation by : Mr. Sunil Sharma
Download or read book Emerging Issues in Banking Regulation written by Mr. Sunil Sharma and published by International Monetary Fund. This book was released on 2003-05-01 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper provides an overview of the profound and rapid changes in banking brought about by technology and deregulation, and discusses the hurdles that will have to be negotiated for putting in place the three pillars-capital adequacy rules, supervision, and market discipline-of the bank regulatory framework envisioned by the New Basel Accord (Basel II). It argues that, especially for developing countries, finding the right balance between regulation, supervision, and market discipline is likely to be difficult. Considerable technical expertise as well as political discipline-which can be viewed as a fourth pillar-will be required to implement Basel II.
Book Synopsis Economic Regulation and Its Reform by : Nancy L. Rose
Download or read book Economic Regulation and Its Reform written by Nancy L. Rose and published by University of Chicago Press. This book was released on 2014-08-29 with total page 619 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past thirty years have witnessed a transformation of government economic intervention in broad segments of industry throughout the world. Many industries historically subject to economic price and entry controls have been largely deregulated, including natural gas, trucking, airlines, and commercial banking. However, recent concerns about market power in restructured electricity markets, airline industry instability amid chronic financial stress, and the challenges created by the repeal of the Glass-Steagall Act, which allowed commercial banks to participate in investment banking, have led to calls for renewed market intervention. Economic Regulation and Its Reform collects research by a group of distinguished scholars who explore these and other issues surrounding government economic intervention. Determining the consequences of such intervention requires a careful assessment of the costs and benefits of imperfect regulation. Moreover, government interventions may take a variety of forms, from relatively nonintrusive performance-based regulations to more aggressive antitrust and competition policies and barriers to entry. This volume introduces the key issues surrounding economic regulation, provides an assessment of the economic effects of regulatory reforms over the past three decades, and examines how these insights bear on some of today’s most significant concerns in regulatory policy.
