- Innovation in Banking and Excessive Loan Growth
12 September 2008
The volume of credit extended by a bank can be an informative signal of its abilities in loan selection and management. It is shown that, under asymmetric information, banks may therefore rationally…
- Interaction between Monetary Policy and Bank Regulation: Lessons for the ECB
17 February 2016
The European Central Bank (ECB) recently became engaged in macro-prudential policies and the micro-prudential supervision of the largest Euro area banks. These new tasks should help complete…
- La Riforma Degli Intermediari Finanziari Non Bancari Nella Prospettiva Di Basilea Iii
Report · 24 February 2023
This essay describes the Italian reform of financial intermediaries (enacted by legislative decree no. 141/2010) according to the comprehensive set of measures developed in 2010 by the Basel…
- The Crisis in UK Banking: Lessons for Public Policy
19 July 2009
Unparalleled turmoil in the banking system over the past two years has impacted severely on the UK's economic prospects. What was once a profitable, fastgrowing, dynamic and highly innovative banking…
- Do Recessions Slow Technology Growth? Evidence from the Firm Level
6 November 2024
Do recessions harm investment in technology and thus future aggregate supply? We provide novel evidence on this question using unique, granular data on innovation investment in R&D and diffusion from…
- Supervisory Effectiveness and Bank Risk
This paper investigates the role of banking supervision, measured in terms of enforcement outputs (i.e. on-site audits and sanctions), in containing bank risk-taking. First, a direct relationship is…
- Measuring the Quality of the Relationship Between Supervisory Authorities and Banks - Implications of an Assessment of the German Banking Sector
The globe is still far away from a consistent implementation of a fully-fledged harmonized banking regulatory framework. The reason for this heterogeneity mainly results from (a) historically grown…
- Assessing Global Regulatory Impacts of the U.S. Subprime Mortgage Meltdown: International Banking Supervision and the Regulation of Credit Rating Agencies
29 August 2012
This paper takes a look at two areas where the subprime crisis has triggered debate and is paving the way for possible movement towards greater global regulation: international banking supervision…
- The Failure of Supervisory Stress Testing: Fannie Mae, Freddie Mac, and Ofheo
Report · 19 October 2015
In the aftermath of the global financial crisis, policymakers in the United States and elsewhere have adopted stress testing as a central tool for supervising large, complex, financial institutions…
- Bank Bailouts with On-Site Monitors: Evidence from a Supervisory Experiment
9 March 2016
I use unique supervisory intervention – discretionary installment of de novo Resident Examiners in Russian banks that received government liquidity and capital support funds – to study the causal…
- Post-Crisis Reform of the Supervisory System and High Reliability Theory
18 August 2015
This essay uses “high reliability organization” theory as a lens through which to view and analyze post-crisis reforms in banking supervision. Organizational sociologists have identified a class of…
- Technology Shocks and Monetary Policy: Assessing the Fed's Performance
14 March 2002
The purpose of the present Paper is twofold. First, we characterize the Fed's systematic response to technology shocks and its implications for US output, hours and inflation. Second we evaluate the…
- Financial Technology and Efficiency of Enterprise Investment an Empirical Study Based on China's Listed Companies
14 July 2022
Using the panel data of Chinese A-share listed companies from 2011 to 2019, we examine the impact of financial technology (FinTech) development on enterprise investment efficiency. In addition, we…
- Information Technology and Hospital Closures
Report · 23 September 2000
Strategic investments in information and medical technology are changing the financial viability of community hospitals. An electronic medical record with interfaces with all major medical devices is…
- Power and Accountability in the EU Financial Regulatory Architecture: Examining Inter-Agency Relations, Agency Independence and Accountability
Report · 18 February 2015
Institutional reforms carried out at the EU level in the aftermath of the global financial crisis were purposed towards preserving the stability and well-functioning of financial markets in the EU.…
- Understanding Bank Supervisors’ Risk Assessments: The Influences of Market Conditions and Supervisory Standards
Report · 29 November 2011
recurring criticism of U.S. bank supervisors is that their standards vary procyclicly with banking and economic conditions. Academic studies of the causes of U.S. banking crises report lapses in bank…
- Information Technology and Productivity Changes in the Banking Industry
20 December 2003
This paper analyzes the effects of investment in information technologies (IT) in the financial sector using micro-data from a panel of 600 Italian banks over the period 1989-2000. Stochastic cost…
- Ad Un Anno Dal Single Supervisory Mechanism: Riflessioni Per Un Primo Bilancio (One Year after the Single Supervisory Mechanism: Considerations for a First Analysis)
Report · 3 January 2018
Italian Abstract: Il saggio raccoglie alcune riflessioni sulle dinamiche di vigilanza che caratterizzano il mercato interno dei capitali dopo l'entrata in vigore del meccanismo unico di supervisione.…
- The Importance of Technology in Banking During a Crisis
31 March 2021
We study the implications of information technology (IT) in banking for financial stability, using data on US banks’ IT equipment and the tech-background of their executives. We find that one…
- International Evidence on the Impact of Regulations and Supervision on Banks' Technical Efficiency: An Application of Two-Stage Data Envelopment Analysis
Report
This study uses a sample of 715 banks from 95 countries and two-stage data envelopment analysis (DEA) to provide international evidence on the impact of regulations and supervision approaches on…
- Regulating Multinational Banks in Europe: An Assessment of the New Supervisory Framework
1 May 2010
In this paper, we examine recent developments and new perspectives of European banking regulation from the viewpoint of multinational banks. Our approach is justified on at least three grounds.…
- Strengthening Governance Practices of TCSPs in the EU's Smallest Member State
Report · 15 November 2024
In Malta, Trust and Company Service Providers (TCSPs) are subject to sector-specific legislation and regulation, overseen by the Malta Financial Services Authority (MFSA) responsible for their…
- El Proyecto 'Solvencia II': Marco Conceptual, Normativo e Institucional (Solvency II: The Legal and Institutional Framework)
26 March 2014
Spanish Abstract: Solvencia II es un ambicioso proyecto que pretende transformar de una manera radical el marco legal e institucional de la supervisión prudencial de las entidades de seguro y…
- Why Accounting Matters: A Central Bank Perspective
Report · 4 July 2014
This paper analyses how accounting frameworks can affect three important areas of responsibility of many central banks, namely monetary policy, financial stability and banking supervision. The…
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