- The Effect of Bank Supervision and Examination on Risk Taking: Evidence from a Natural Experiment
22 March 2017
We exploit an exogenous reduction in bank supervision to demonstrate a causal effect of supervisory resources on financial institutions' willingness to take risk. The additional risk took the form of…
- Banking Supervision and External Auditors: What Works Best?
3 May 2017
What are the pros and cons of involving external auditors in banking supervision? This paper investigates the relationship between banking supervision and the involvement of external auditors from a…
- Multinational Banks and Supranational Supervision
13 June 2016
We study the supervision of multinational banks (MNBs), allowing for either national or supranational supervision. National supervision leads to insufficient monitoring of MNBs due to a coordination…
- Is One Watchdog Better than Three?: International Experience with Integrated Financial Sector Supervision
26 April 2006
Over the past two decades, there has been a clear trend toward integrating the regulation and supervision of banks, nonbank financial institutions, and securities markets. This paper reviews the…
- Cross-Border Coordination of Prudential Supervision and Deposit Guarantees
12 October 2011
We study the optimal joint design of prudential supervision and deposit guarantee regulations in a multi-country, integrated banking market, where policy-makers have preferences regarding…
- Bank Regulation, Supervision and Liquidity Creation
9 January 2021
The exposures of the banking system during the global financial crisis of 2007-2009 alerted regulators who strengthened their regulation and supervision of banks to prevent future problems. Yet…
- Can Short Sellers Inform Bank Supervision?
Report · 27 February 2016
We investigate the timeliness and accuracy of supervisory information and short seller signals to assess whether short sellers have the potential to inform bank supervision. We find that short…
- The Independence of Central Bank Supervision
13 June 2025
The Dodd-Frank Act of 2010 gave the Federal Reserve (Fed) sweeping power to supervise the banking system. Consequently, the Fed as bank supervisor has the ability to steer the allocation of credit in…
- Banking Supervision, Monetary Policy and Risk-Taking: Big Data Evidence from 15 Credit Registers
Report · 4 January 2020
We analyse the effects of supranational versus national banking supervision on credit supply, and its interactions with monetary policy. For identification, we exploit: (i) a new, proprietary dataset…
- Central Banking and Supervision: The Political Cycle
7 November 2012
By the early ‘2000 an increasing numbers of countries had adopted a well defined central bank framework, which is characterized by two intertwined features: the authority becomes specialized in…
- Who Pays for Banking Supervision? Principles, Practices, and Determinants
21 July 2006
This paper is focused on the economics of financing banking supervision. Two questions are investigated: What are the most common financing practices? Can we explain differences in current financing…
- Resource Allocation in Bank Supervision: Trade-offs and Outcomes
21 March 2016
We estimate a structural model of resource allocation on work hours of Federal Reserve bank supervisors to disentangle how supervisory technology, preferences, and resource constraints impact bank…
- Integration of Financial Supervision
Report · 26 September 2007
The emergence of financial conglomerates and multinational financial institutions as well as the development of new financial products have raised concerns as to the ability of separate sectoral…
- Foreign Bank Supervision and Challenges to Emerging Market Supervisors
15 February 2006
The increased presence of foreign banks in a country`s domestic banking system necessitates the development of effective cross-border prudential supervision where the consolidated supervision is the…
- Reforms of Banking Supervision in Bulgaria
Report · 14 September 2018
The aim of the paper is to present the dynamics in the banking supervision of Bulgaria. The international trend to extend the scope of banking supervision is reflected in the national policy for…
- Incentive Problems in Banking Supervision - the European Case
7 January 2004
This paper discusses the incentive conflicts that arise in banking supervision in the EU in a principal-agent framework, where the regulator is the agent and the taxpayers is the principal. The…
- Risk, Discretion, and Bank Supervision
4 June 2025
This Article argues that an ancient but sometimes overlooked form of governmental oversight - bank supervision – sits at the center of a foundational tension in the governance of the American…
- Banking Supervision Outsourcing: Economics, Rules and Drivers
15 February 2016
What are the pros and cons of involving external auditors in banking supervision? Which are the concrete rules of the game all around the world? How to evaluate them? The aim of this paper is to shed…
- Institutional Architecture for Financial Supervision: A Case Study
Case study · 14 June 2024
The paper examines the institutional architecture for financial supervision of a small jurisdiction and proposes reforms with a view of achieving more efficient and cost-effective financial…
- Financial Supervision Unification and Central Bank Fragmentation Effect
29 September 2005
This paper analyses how the central bank role can influence the unification process of the overall financial supervision architecture. We claim that the policymaker's choices can be viewed as a…
- Banking Supervision: Quality and Governance
17 April 2007
This paper examines the relationship between the quality of banking supervision and governance of the supervisory agency, based on assessments of the Basel Core Principles and the IMF Code on…
- Local Bank Supervision
Report · 27 October 2023
We examine a policy reform that moved supervision for a subset of bank branches in China from the national to the prefecture level. Following the reform, these branches were 57 to 80% more likely to…
- Supranational Supervision and Bank Governance
Report · 10 March 2025
This paper investigates how supranational supervision shapes bank governance prompted by the introduction of the Single Supervisory Mechanism. We begin by detailing key regulatory developments that…
- A Normative Analysis of Banking Supervision: Independence, Legal Protection and Accountability
23 June 2009
This paper uses a formal model of a bank supervisor to derive policy implications on the optimal institutional arrangements for effective banking supervision. I find that bank supervisors should have…
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