Capital-Based Regulation and U. S. Banking Reform
نویسندگان
چکیده
منابع مشابه
Regulation , Capital , and Organizational Form in U . S . Life Insurance
This paper studies stock and mutual life insurance company formations in the first half of the 20th century. A common belief is that the growth of state consumer protection regulation rendered the mutual form irrelevant, but the paper finds little evidence connecting such regulation with declines in the form’s popularity. The exception is the initial capital requirement. Mutuals were formed alm...
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On financial system, Bank is the most important financial intermediaries in economy. It has played a central role to the entire financial system. The bank’s capital also has played an important role on the bank risk management and governance. This study issued the function of the financial capital adequacy ratio on Bank supervision system. The article establish the multiple regression model ana...
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We construct an economy where, in the presence of binding regulatory capital requirements, a two way interaction between banks’ capitalisation and borrowers’ choice of projects propagates negative shocks to technology or regulation. The key elements behind this ...nancial accelerator are a limited substitutability in entrepreneurs’ sources of external ...nance, a moral hazard in entrepreneurs’ ...
متن کاملRegulation , Capital Structure and Organizational Form in U . S . Life Insurance
This paper studies organizational form choice in the life insurance industry between 1900 and 1949. It questions the prevailing wisdom about the decline of the mutual—that consumer protection regulation enabled the stock ...rm to rise by engendering consumer con...dence. Instead, the evidence suggests that 1) organizational form choices were made with an eye to avoiding regulation when possible...
متن کاملBanking Reform in India∗
Measured by share of deposits, 83 percent of the banking business in India is in the hands of state or nationalized banks, which are banks that are owned by the government, in some, increasingly less clear-cut way. Moreover, even the non-nationalized banks are subject to extensive regulations on who they can lend to, in addition to the more standard prudential regulations. Government control ov...
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ژورنال
عنوان ژورنال: The Yale Law Journal
سال: 1992
ISSN: 0044-0094
DOI: 10.2307/796884