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Macroprudential policy, countercyclical bank capital buffers and credit supply: evidence from the spanish dynamic provisioning experiments
Jiménez, Gabriel; Ongena, Steven; Peydró, José-Luis; … - In: Journal of Political Economy 125 (2017) 6, pp. 2126-2177
To study the impact of macroprudential policy on credit supply cycles and real effects, we analyze dynamic provisioning … differentially. We find that dynamic provisioning smooths credit supply cycles and, in bad times, supports firm performance. A 1 … percentage point increase in capital buffers extends credit to firms by 9 percentage points, increasing firm employment (6 …
Persistent link: https://www.econbiz.de/10012211192
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Highway to the Danger Zone: die Gefahren des Niedrigzinses nehmen zu
Bley, Andreas; Weber, Jan Philip - In: Vierteljahrshefte zur Wirtschaftsforschung 85 (2016) 1, pp. 31-44
For more than seven years interest rates have remained on historically low levels. Yet both credit growth and the … structural factors and policies that dampen the risk of escalating prices and credit expansion on the German housing market. …
Persistent link: https://www.econbiz.de/10011739541
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Exploring BIS credit-to-GDP gap critiques: The Swiss case
Jokipii, Terhi; Nyffeler, Reto; Riederer, Stéphane - In: Swiss Journal of Economics and Statistics 157 (2021) 1, pp. 1-19
A growing body of literature has highlighted two important caveats to the credit-to-GDP gap as advocated by the Bank … for International Settlements (BIS). The first relates to the approach used to normalise credit (i.e. dividing nominal … credit by GDP). In this regard, critics have argued that GDP movements, that may or may not be relevant, run the risk of …
Persistent link: https://www.econbiz.de/10013205813
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Excess Liquidity Creation of Banks and Financial Market Peaks
Weber, Patrick - In: Credit and Capital Markets – Kredit und Kapital 49 (2016) 1, pp. 37-56
Mutually reinforcing dynamics between the market liquidity of financial assets and the funding liquidity risks of financial intermediaries were one of the reasons why asset prices declined so significantly with the onset of the financial crisis in 2007. Based on this observation, I show how an...
Persistent link: https://www.econbiz.de/10014522976
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Risiken im Bankensektor weiter hoch: Regulierung muss gestärkt werden
Schrooten, Mechthild - In: DIW Wochenbericht 78 (2011) 9, pp. 2-8
Nach dem Ausbruch der internationalen Finanzkrise wird hier eine erste Bilanz für den deutschen Bankensektor gezogen. Dabei zeigt sich: Es bestehen weiterhin erhebliche Risiken. Die systemische Relevanz einzelner Banken ist sogar noch gestiegen. Wesentlich für die Zukunftsfähigkeit des...
Persistent link: https://www.econbiz.de/10011602312
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The impact of private sector credit on income inequalities in European Union (15 member states)
Jianu, Ionuț - In: Theoretical and Applied Economics XXIV (2017) 2 (611), pp. 61-74
-2014 period and to estimate the impact of private sector credit on income disparities. In order to estimate the impact, I used the …
Persistent link: https://www.econbiz.de/10011985582
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Determinants of NPL growth in Macedonia
Nikolov, Miso; Popovska-Kamnar, Neda - In: Journal of Contemporary Economic and Business Issues 3 (2016) 2, pp. 5-18
Non-performing loans are one of the most vulnerable categories in the balance sheet of banks. Their increase can affect banks' liquidity and solvency. That is why defining the main indicators that influence the development of non-performing loans is crucial for both bank performance and the...
Persistent link: https://www.econbiz.de/10011984733
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Non-performing loans and profitability indicators: The case of the Republic of Macedenia
Jolevski, Ljube - In: Journal of Contemporary Economic and Business Issues 4 (2017) 2, pp. 5-20
credit portfolio quality is the share of non-performing loans to the total credit portfolio. The consequences of an increased …
Persistent link: https://www.econbiz.de/10011984743
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Money creation and financial instability: An agent-based credit network approach
Lengnick, Matthias; Krug, Sebastian; Wohltmann, Hans-Werner - In: Economics: The Open-Access, Open-Assessment E-Journal 7 (2013) 2013-32, pp. 1-44
The authors develop a simple agent-based and stock flow consistent model of a monetary economy. Their model is well suited to explain money creation along the lines of mainstream theory. Additionally it uncovers a potential instability that follows from a maturity mismatch of assets and...
Persistent link: https://www.econbiz.de/10010317976
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Lehren aus der Finanzkrise, zweiter Teil: Was ist zu tun?
Schütte, Martin - In: ifo Schnelldienst 67 (2014) 12, pp. 20-25
In seinem Kommentar zeigt Martin Schütte, ehem. HypoVereinsbank/Bayer. Hypotheken- und Wechsel-Bank und Universität München, dass, fünf Jahre nach Beginn der Finanzkrise, diese zwar eine Krise der Staatsverschuldung geworden ist, aber die Gründe auch für diese Krise, die Risiken und die...
Persistent link: https://www.econbiz.de/10011693665