کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
11023276 1701309 2018 71 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Basel III and bank-lending: Evidence from the United States and Europe
ترجمه فارسی عنوان
بازل سوم و وام دهی بانک: شواهد از ایالات متحده و اروپا
موضوعات مرتبط
علوم انسانی و اجتماعی اقتصاد، اقتصادسنجی و امور مالی اقتصاد، اقتصادسنجی و مالیه (عمومی)
چکیده انگلیسی
Using data on bank holding companies in the United States and Europe, this paper analyses the impact of capital and liquidity on bank-lending-growth following the 2008 financial crisis, and the new measures inspired by the Basel III regulatory framework. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks' characteristics and behaviors when implementing new regulatory policies.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Journal of Financial Stability - Volume 39, December 2018, Pages 1-27
نویسندگان
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