This paper studies the impact of competition on the determination of interest rates, and on banks’ risk taking … lower entry costs foster competition in deposit rates and reduce banks’ incentives to limit risk exposure. While higher … insurance coverage amplifies this effect, two alternative arrangements (risk based contributions to the deposit insurance fund …

macroeconomic and political uncertainty. Demand for macroeconomic shock insurance was high; 36.7 percent of microentrepreneurs in … the treatment group purchased insurance. However, purchasing insurance does not change the likelihood that a business … that, contrary to what they profess, macroeconomic and political risk is not inhibiting the investment behavior of …

by heterogeneous lotteries. Applications to welfare economics, committee decision-making, insurance, finance, and …

paper describes how specialization of banks can lead to such feedback effects, which work through the cost of financial … intermediation. In the empirical part of the paper we use US cross-state data from banks' income statements to show that the cost of …

This paper examines funding modes of German banks and its implications for lending and profitability over the period … important. Third, the decreasing ability of banks to mobilize deposits from customers and the substitution of deposits by … interbank liabilities unfavourably affects the net interest results of savings banks. …

We develop a dynamic model to assess the effects of liquidity and leverage requirements on banks' insolvency risk. The … short-run; leverage requirements reduce default risk but may significantly reduce bank value; mispriced deposit insurance … model features endogenous capital structure, liquid asset holdings, payout, and default decisions. In the model, banks face …

impact on bank intermediation applying Regression Discontinuity Designs. Using a unique dataset on Dutch banks, we show that … non-compliance with a liquidity requirement causes banks to pay and charge higher interest rates as well as to increase …

of financial integration on business cycle synchronization as a robust regularity. We use a confidential dataset on banks …