An important trend in bank regulation is greater reliance on market discipline. In particular, information impounded in securities prices is increasingly used to complement supervisory activities of regulators with limited resources. The goal of this paper is to analyze the theoretical foundations of market-based bank regulation. We find that price information only improves the efficiency of th...

Abstract This paper discusses the dynamics of bank regulation in Sub-Saharan African (SSA) region during period before 1990s and post describes trends regulatory measures between 1995 2017 using updated databases World Bank’s Bank Regulation Supervision Surveys. Before 1990s, majority SSA countries was inadequate that led to multiple occurrences banking crises. As a result, many introduced fina...

Before the crisis, bank regulation relied to a large extent on capital regulation. Liquidity regulation was not widely used. The liquidity problems during the crisis led to calls for liquidity regulation. As a result, the Basel III accord introduced global liquidity standards. An important issue in the construction of such liquidity regulations is the exact nature of the problem they are trying...

Land is a basic human need for place to live and earn living life. Population growth getting higher day by while land housing static so that increasing in price, this problem must be solved. The state carrying out national development also needs physical such as infrastructure facilities, roads, bridges, hospitals, dams others. In the realization of acquisition development, conflicts often occu...

This research examines the e¤ects of relaxing credit constraints on households’ saving and credit choices. I focus in the opening of a new bank in Mexico that targeted workers of the informal sector that were previously denied access to bank credit. I …rst explore the di¤erence-indi¤erence e¤ects of the appearance of this bank. Important changes are found in households from municipalities with ...

This paper considers a panel of 80 countries across all continents, over the period 1999–2019, and uses generalized method moments system estimations with data from World Bank Global Financial Development database, to explain evolution bank non-performing-loans-to-total-loans ratio. The results obtained provide clear evidence that banks high profitability, benefiting market stability located in...

T he most important recent developments in bank regulation are based on capital requirements. For example, the Basle Accord of 1988 specifies that bank capital must be at least 8 percent of a bank’s risk-weighted assets.1 Also, the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) requires regulators to shut down a bank whose capital has dropped below a cutoff level. While ...

The clarion call for reform in bank regulation that ensures sound financial system and better performance following the melt-down of 2007–2009 across globe has made it necessary to identify reforms ensure these objectives are achieved. Using most recent Banking Regulation Supervision Survey World Bank showing through empirical evidence, this paper adds literature on assessment impact ...

The issuance of digital currency electronic payments (DC/EP), under the supervision People’s Bank China, will have a certain impact on commercial banks, and further affect areas internet finance traditional financing. This paper studies regulatory performance DC/EP in post-lending market models bank financing, exploring their theoretical practical significance. Through construction an enterpris...

Limited liability and asymmetric information between an investment bank and its lenders provide an incentive for a bank to undercapitalise and finance overly risky business projects. To counter this market failure, national governments have imposed solvency constraints on banks. However, these constraints may not survive in systems competition, as systems competition is likely to suffer from th...