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Benefits and Costs of Bank Capital

2016-03-03 Business & Economics
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Release : 2016-03-03
Genre : Business & Economics
Kind : eBook
Book Rating : 337/5 ( reviews)

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Book Synopsis Benefits and Costs of Bank Capital by : Jihad Dagher

Download or read book Benefits and Costs of Bank Capital written by Jihad Dagher. This book was released on 2016-03-03. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Benefits and Costs of Higher Capital Requirements for Banks

2016
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Release : 2016
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Kind : eBook
Book Rating : /5 ( reviews)

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Book Synopsis Benefits and Costs of Higher Capital Requirements for Banks by : William R. Cline

Download or read book Benefits and Costs of Higher Capital Requirements for Banks written by William R. Cline. This book was released on 2016. Available in PDF, EPUB and Kindle. Book excerpt:

Back to the Future: The Nature of Regulatory Capital Requirements

2017-08-04 Business & Economics
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Release : 2017-08-04
Genre : Business & Economics
Kind : eBook
Book Rating : 81X/5 ( reviews)

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Book Synopsis Back to the Future: The Nature of Regulatory Capital Requirements by : Mr.Ralph Chami

Download or read book Back to the Future: The Nature of Regulatory Capital Requirements written by Mr.Ralph Chami. This book was released on 2017-08-04. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Achieving Financial Stability: Challenges To Prudential Regulation

2017-09-22 Business & Economics
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Release : 2017-09-22
Genre : Business & Economics
Kind : eBook
Book Rating : 413/5 ( reviews)

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Book Synopsis Achieving Financial Stability: Challenges To Prudential Regulation by : Douglas D Evanoff

Download or read book Achieving Financial Stability: Challenges To Prudential Regulation written by Douglas D Evanoff. This book was released on 2017-09-22. Available in PDF, EPUB and Kindle. Book excerpt: The Great Financial Crisis of 2007-2010 exposed the existence of significant imperfections in the financial regulatory framework that encouraged excessive risk-taking and increased system vulnerabilities. The resulting high cost of the crisis in terms of lost aggregate income and wealth, and increased unemployment has reinforced the need to improve financial stability within and across countries via changes in traditional microprudential regulation, as well as the introduction of new macroprudential regulations. Amongst the questions raised are:

Capital Adequacy beyond Basel

2005-02-17 Business & Economics
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Release : 2005-02-17
Genre : Business & Economics
Kind : eBook
Book Rating : 945/5 ( reviews)

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Book Synopsis Capital Adequacy beyond Basel by : Hal S. Scott

Download or read book Capital Adequacy beyond Basel written by Hal S. Scott. This book was released on 2005-02-17. Available in PDF, EPUB and Kindle. Book excerpt: 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.

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