Purpose – The purpose of this paper is to investigate the effects of macroeconomic factors on secured and unsecured household loans from UK banks. Design/methodology/approach – The approach uses Vector auto-regression models to test the relationship between macroeconomic factors such as...

Purpose – The purpose of this paper is to investigate the effects of macroeconomic factors on secured and unsecured household loans from UK banks. Design/methodology/approach – The approach uses Vector auto‐regression models to test the relationship between macroeconomic factors such as...

Purpose – To consider the implications of the banks fiduciary duty to their depositors (as well as the shareholders) and the government's fiscal duty to taxpayers (in the presence of deposit insurance) for the corporate governance (CG) of banks. Design/methodology/approach – Recent...

Purpose – To explore the implications of financial sector convergence for corporate governance systems. Design/methodology/approach – Globalisation, regulatory harmonisation and pensions reform are driving convergence of bank and market oriented systems of corporate finance towards a hybrid...

This paper examines the implications for bank regulatory and monetary policy of the business cycle; the nature of which is being transformed by the forces of globalisation and the communication and information technology revolution. Asset price fluctuations and overinvestment appear to have...

Purpose – To consider the implications of the banks fiduciary duty to their depositors (as well as the shareholders) and the government's fiscal duty to taxpayers (in the presence of deposit insurance) for the corporate governance (CG) of banks. Design/methodology/approach – Recent...

Purpose – To explore the implications of financial sector convergence for corporate governance systems. Design/methodology/approach – Globalisation, regulatory harmonisation and pensions reform are driving convergence of bank and market oriented systems of corporate finance towards a hybrid...

Purpose – The purpose of this paper is to consider in the light of the post August 2007 banking crises, how “fair” access to retail banking services for British households and small‐ and medium‐sized enterprises (SMEs) can be assured. Design/methodology/approach – The current...

This paper briefly reviews the build up to and onset of the 1987 financial crises in S. E. Asia, focusing on the experiences of Thailand and Indonesia. After emphasising the importance of banking sector restructuring and regulatory reform, progress with economic stabilisation and financial and...

It is argued that bank regulation is required to protect depositors who are less risk averse than bank shareholders. The ongoing financial revolution has generally benefited consumers of financial services by increasing competition and broadening the range of products. More and more people have,...