Basel III and Bank-Lending : Evidence from the United States and Europe /

Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit act...

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Yazar: Ben Naceur, Sami
Diğer Yazarlar: Pepy, Jeremy, Roulet, Caroline
Materyal Türü: Dergi
Dil:English
Baskı/Yayın Bilgisi: Washington, D.C. : International Monetary Fund, 2017.
Seri Bilgileri:IMF Working Papers; Working Paper ; No. 2017/245
Online Erişim:Full text available on IMF
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100 1 |a Ben Naceur, Sami. 
245 1 0 |a Basel III and Bank-Lending :   |b Evidence from the United States and Europe /  |c Sami Ben Naceur, Jeremy Pepy, Caroline Roulet. 
264 1 |a Washington, D.C. :  |b International Monetary Fund,  |c 2017. 
300 |a 1 online resource (50 pages) 
490 1 |a IMF Working Papers 
500 |a <strong>Off-Campus Access:</strong> No User ID or Password Required 
500 |a <strong>On-Campus Access:</strong> No User ID or Password Required 
506 |a Electronic access restricted to authorized BRAC University faculty, staff and students 
520 3 |a Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the 'credit crunch' in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks' characteristics and behaviors when implementing new regulatory policies. 
538 |a Mode of access: Internet 
700 1 |a Pepy, Jeremy. 
700 1 |a Roulet, Caroline. 
830 0 |a IMF Working Papers; Working Paper ;  |v No. 2017/245 
856 4 0 |z Full text available on IMF  |u http://elibrary.imf.org/view/journals/001/2017/245/001.2017.issue-245-en.xml  |z IMF e-Library