In recent quarters, the capital strength of the U.S. banking system has been improving rapidly in response to both regulatory pressures and business incentives. This article examines the different methods by which individual bank holding companies have increased their capital ratios and the...

The role played by cutbacks in commercial loan supply in the U.S. economic downturn in 1990 remains controversial. This article investigates the importance of the credit "crumble" and bank capital shortfalls in the contraction of the commercial loan supply in 1990. The author explores the link...