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Bank Capital and Public Regulation
Journal of Money, Credit and Banking, 1978THE ADEQUACY OF COMMERCIAL BANK capital is being questioned anew as a result of recent turmoil in financial markets. The basic issue is one of conflicting private and public interests: will banks voluntarily maintain sufficient capital to protect against bank failures, or is some form of regulatory coercion necessary?1 Critics (e.g.
Taggart, Robert A, Jr +1 more
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Bank capital, capital regulation and lending [PDF]
, 1996 The paper analyzes bank loan supply in a simple value maximizing partial equilibrium framework.The focus is on the role of bank capital, capital regulation and the pricing of bank liabilities.The model is constructed so as to resemble the situation of the Finnish local banks in the late 1980s and the early 1990s, particularly with regard to capital ...
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Money, Banking, and Capital Formation
SSRN Electronic Journal, 1994zbMATH Open Web Interface contents unavailable due to conflicting licenses.
Stacey L. Schreft, Bruce D. Smith
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2019
The primary function of capital is to support the bank’s operations, act as a cushion to absorb unanticipated losses and declines in asset values that could otherwise cause a bank to fail, and provide protection to uninsured depositors and debt holders in the event of liquidation.
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The primary function of capital is to support the bank’s operations, act as a cushion to absorb unanticipated losses and declines in asset values that could otherwise cause a bank to fail, and provide protection to uninsured depositors and debt holders in the event of liquidation.
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Taxes and bank capital structure
Journal of Financial Economics, 2013This paper shows that a reduction in tax discrimination between debt and equity funding leads to better capitalized financial institutions. The paper exploits exogenous variation in the tax treatment of debt and equity created by the introduction of a tax shield for equity.
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2018
Abstract This chapter begins by discussing the three overlapping capital requirements that banks are subject to. The first is the orthodox Basel capital requirement. The second is the Leverage Ratio, which is simply a non-risk-weighted capital requirement. The third is the stress test requirement.
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Abstract This chapter begins by discussing the three overlapping capital requirements that banks are subject to. The first is the orthodox Basel capital requirement. The second is the Leverage Ratio, which is simply a non-risk-weighted capital requirement. The third is the stress test requirement.
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The Philosophy of Bank Capitalization
The Journal of Finance, 1951DIsCUSSION OF the bank capital problem thrives on confusion and needless complications. The subject has been discussed with such exhaustive attention to detail that students of banking may have lost sight of the central problem. The main issue in connection with bank capital, transcending such peripheral problems as the "correct" ratio or the character
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A Review on Bank Retreat: Mechanisms, Observations, and Modeling
Reviews of Geophysics, 2022Kun Zhao, Giovanni Coco, Zheng Gong
exaly
Bank Capital Requirements and Capital Structure [PDF]
, 2009 This paper studies the impact of capital requirements, deposit insurance and tax benefits on a bank's capital structure. We find that properly regulated banks voluntarily choose to maintain capital in excess of the minimum required. Central to this decision is both tax advantaged debt (a source of firm franchise value) and the ability of regulators to ...
Harding, John P. +2 more
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