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Transformed intermediation : credit risk to nbfis, liquidity risk to banks

Acharya, Viral V.; Cetorelli, Nicola; Tuckman, Bruce - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610867

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Transformed intermediation : credit risk to NBFIs, liquidity risk to banks

Acharya, Viral V.; Cetorelli, Nicola; Tuckman, Bruce - 2026

Book / Working Paper

Transformed Intermediation : Credit Risk to NBFIs, Liquidity Risk to Banks

Acharya, Viral V.; Cetorelli, Nicola; Tuckman, Bruce - 2026

Book / Working Paper

Stablecoins vs. tokenized deposits : the narrow banking debate revisited

Huang, Xuesong; Keister, Todd - 2026 - Revised February 2026

We study how the type of money used in blockchain-based trade affects interest rates, investment, and welfare. Stablecoins in our model are backed by safe assets, while banks issue deposits (both traditional and tokenized) to fund a portfolio of safe and risky assets. Deposit insurance creates a...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604653

Bank to non-bank lending and the reallocation of credit

Li, Jian; Ma, Yiming; Mendicino, Caterina; Supera, Dominik - 2026

We analyze how bank lending to non-bank financial institutions (NBFIs) affects credit supply to the real economy. Using granular supervisory and loan-level data, we document rapid growth in bank lending to NBFIs relative to lending to non-financial firms. This growth is driven primarily by...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015640931

The theory of financial stability meets reality

Boyarchenko, Nina; Hachem, Kinda; Kleymenova, Anya - 2025

A large literature at the intersection of economics and finance offers prescriptions for regulating banks to increase financial stability. This literature abstracts from the discretion that accounting standards give banks over financial reporting, creating a gap between the information assumed...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015414021

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The theory of financial stability meets reality

Boyarchenko, Nina; Hachem, Kinda; Kleymenova, Anya - 2025

Book / Working Paper

The theory of financial stability meets reality

Boyarchenko, Nina; Hachem, Kinda; Kleymenova, Anya - 2025

Book / Working Paper

The theory of financial stability meets reality

Boyarchenko, Nina; Hachem, Kinda; Kleymenova, Anya - 2025

Book / Working Paper

Banking on payments?

Bibow, Jörg - 2025

For the past hundred years or more, payments have been primarily associated with banking, and banking as we know it today-being the result of many centuries of evolution-features a bundling of (at least) three main lines of business: lending, deposit-taking, and payment services. In the past 15...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015449402

Regulation, supervision, and bank risk-taking

Repullo, Rafael - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015410472

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Regulation, supervision, and bank risk-taking

Repullo, Rafael - 2025

Book / Working Paper

Beyond financial inclusion : reshaping the regulatory landscape for virtual banks

Law, Sau Wai - 2025

The digitalisation of banking services, driven by smartphone access and limited physical presence, has transformed bank-customer interactions but introduced challenges, such as a reliance on third-party devices and external software contracts. Based on findings from focus groups held in Hong...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015559950

The impact of bank regulation on commercial bank performance : evidence from South Africa

Gwatidzo, Tendai - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015401124

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The impact of bank regulation on commercial bank performance : evidence from South Africa

Gwatidzo, Tendai - 2024

Book / Working Paper

Climate change and the macroeconomics of bank capital regulation

Giovanardi, Francesco; Kaldorf, Matthias - 2024

This paper proposes a quantitative multi-sector DSGE model with bank failure and firm default to study the interactions between bank regulation and climate policy. Households value the liquidity of deposits, which are protected by deposit insurance. Banks collect deposits and issue equity to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014548624

The nonbank footprint of banks

Cetorelli, Nicola; Prazad, Saketh - 2024

U.S. bank holding companies (BHCs) have developed a very significant nonbank footprint over the years, adding thousands of specialty lenders, brokers and dealers, asset management, and insurance subsidiaries to their organizations. These nonbank subsidiaries represent a sizeable share of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015069760

Where do banks end and NBFIs begin?

Acharya, Viral V.; Cetorelli, Nicola; Tuckman, Bruce - 2024

In recent years, assets of nonbank financial intermediaries (NBFIs) have grown significantly relative to those of banks. These two sectors are commonly viewed either as operating in parallel, performing different activities, or as substitutes, performing substantially similar activities, with...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015069766

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Where do banks end and NBFIS begin?

Acharya, Viral V.; Cetorelli, Nicola; Tuckman, Bruce - 2024

Book / Working Paper

Political influence, bank capital, and credit allocation

Huang, Sheng; Thakor, Anjan V. - 2024

Political influence on bank credit allocation is often viewed as being necessary to address social problems like income inequality. We hypothesize that such influence elicits bank capital responses. Our hypothesis yields three testable predictions for which we find supporting evidence. First,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015145043

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Political Influence, Bank Capital, and Credit Allocation

Huang, Sheng; Thakor, Anjan V. - 2023

Book / Working Paper

Keep calm, but watch the outliers : deposit flows in recent crisis episodes and beyond

Fascione, Luisa; Oosterhek, Koen; Scheubel, Beatrice; … - 2024

Since the March 2023 banking turmoil, a policy debate has emerged concerning the unprecedented scale and speed of the observed deposit outflows. Have recent stress episodes and developments in technology structurally changed depositors' behaviour? Are the Basel III liquidity coverage ratio (LCR)...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015133917

Taxes, leverage, and profit shifting in banks

Joia, Arthur José Cunha Bandeira de Mello; Barros, … - 2024

The goal of this research is to investigate whether taxation affects the leverage decisions of banks and if the response of leverage to tax increases depends on profit-shifting opportunities available to individual banks. This topic remains controversial since it is often believed that banking...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015197584

The 2023 Banking Turmoil : lessons for EU resolution authorities

Cirillo, Nicola; Pennesi, Francesco; Laviola, Sebastiano - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015403691

Roles of banks in times of crisis : more regulation or moral capital?

Ilesanmi, Kehinde Damilola; Tewari, Devi D. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015617287

Financial crime, fraud trends and regulatory expectations in the digital era : evidence from the Ghanaian banking industry

Boamah, Collins - 2026

The acceleration of digital financial services in Ghana has transformed the country's banking landscape while simultaneously reshaping its financial crime risk profile. Drawing on insights from the Bank of Ghana (BoG) Annual Fraud Reports, Ghana Association of Banks (GAB) Quarterly Fraud...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015617666

Who to regulate? : Identifying actors within DeFi's governance

Born, Alexandra; Gati, Zakaria; Lambert, Claudia; … - 2026

Decentralised Finance (DeFi) emerged in 2021 as a fast-growing crypto segment, attracting policymakers' attention due to its innovative approach of delivering financial services without relying on centralised intermediaries. This paper assesses DeFi governance arrangements for regulating and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618124

Populistic surfing : consensus, monetary and banking policies

Favaretto, Federico; Masciandaro, Donato - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609534

Model risk under CECL : a consumer finance perspective

Canals-Cerdá, José J. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609899

Regulatory responses to the financial stability implications of stablecoins

Bindseil, Ulrich - 2026 - Final version: 11 February 2026

In essence, the currently large stablecoins are electronic money issued by narrow balance sheet vehicles into a distributed ledger (or a "programmable platform"). Many believe that they will have significant success as a new form of money. Members of the current US administration expect that US...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610715

Regulatory risk in green FinTech : comparative insights from Central Europe

Heseková, Simona; Lapsánszky, András; Kálmán, János; … - 2026

Green fintech merges sustainable finance with data-intensive innovation, but national translations of EU rules can create regulatory risk. This study examines how such risk manifests in Central Europe and which policy tools mitigate it. We develop a three-dimension framework-regulatory clarity...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611269

Cross-border banking, intragroup exposures, and risk-taking

Cuijpers, Eric; Vlahu, Razvan - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611564

Securitization, bank regulation, and the macroeconomy

Luintel, Kul B.; Torres, José L. - 2026

We develop a general equilibrium framework in which a commercial banker, constrained by capital adequacy requirements, creates a special purpose vehicle (SPV) to hold securitized assets off its balance sheet. By operating the bank and SPV as separate entities, the banker circumvents regulation,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612431

Democratic Republic of the Congo : Technical Assistance Report-Operationalization of the Statutory Special Bank Resolution Regime

2026

The report outlines the efforts of the International Monetary Fund to assist the Central Bank of the Congo (BCC) in operationalizing a special resolution regime for credit institutions. This initiative implements key recommendations from the Financial Sector Stability Review mission conducted by...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612631

Fintech Competition and Banks’ Shrinking Margins in Brazil

Xu, Rui - 2026

The rise of fintech lenders has intensified competition in the banking industry. This study utilizes Brazilian bank-level data to examine the causal impact of increased competition on commercial banks’ lending rates and profitability. Employing a bank-specific Bartik exposure, constructed from...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612696

Good Practices in Cyber Risk Regulation and Supervision

Gaidosch, Tamas - 2026

The paper synthesizes global experiences and key lessons in the regulation and supervision of cyber risk in the financial sector. It draws on the IMF’s financial stability surveillance and technical assistance work. It underscores the increasing frequency and complexity of cyber threats. These...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612952

Institutional reform and depositors' portfolio choice evidence from bank account data

Berlemann, Michael; Luik, Marc-André - 2026

In this paper we employ the natural experiment of German Division and Reunification in order to study the effect of institutional reform on the decision to hold risky assets. We present empirical evidence indicating that even 16 years after German Reunification risky portfolios of East and West...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614062

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Institutional reform and depositors' portfolio choice : evidence from bank account data

Berlemann, Michael; Luik, Marc-André - 2016

Book / Working Paper

Bank failures : the roles of solvency and liquidity

Correia, Sergio; Luck, Stephan; Verner, Emil - 2026

Bank failures can stem from runs on otherwise solvent banks or from losses that render banks insolvent, regardless of withdrawals. Disentangling the relative importance of liquidity and solvency in explaining bank failures is central to understanding financial crises and designing effective...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604668

Disentangling the "shadow banking" metaphor

Labat Moles, Héctor - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604801

A structural model of capital buffer usability

Lang, Jan Hannes; Menno, Dominik - 2026

Under which conditions do usability constraints for regulatory capital buffers emerge? To answer this question, we build a non-linear structural banking sector model with a minimum capital requirement that banks are not allowed to breach, and a capital buffer requirement (CBR) that banks can...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015605600

The finance-education nexus : educational consequences of US interstate bank branching deregulation

Yang, Xi; Zou, Jian - 2026

This paper studies the impact of US interstate bank branching deregulation on school finance and student achievement, leveraging the deregulation as a state tax revenue shock. Total revenue and expenditure increase following the deregulation. The revenue increase stems mainly from higher state...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625432

Synthetic, but how much risk transfer?

Osberghaus, Alex; Schepens, Glenn - 2026

Banks use synthetic risk transfers (SRTs) to offload potential losses in their loan portfolios to non-bank investors while retaining the loans on their balance sheets. We investigate this trillion-euro market using transaction-level data from the euro area, the largest SRT market, and highlight...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626666

What needs to be done to improve the efficiency of the resolution framework of the banking union

Restoy, Fernando; Walters, Ruth - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628193

Comparative analysis of stablecoin architectural features in fragmented regulatory environments

Vlasov, Andrej Vasil'evič; Egorov, Andrej Jur'evič; … - 2026

Amidst the escalating geopolitical fragmentation of the global financial system, divergent stablecoin architectures are emerging. This study employs Qualitative Comparative Analysis (QCA) and introduces a formalized 'Geopolitical Stablecoin' (GPSC) model to conduct a systematic comparison of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628479

Financial inclusion, FinTech, and banking stability in Asia and Pacific economies

Koirala, Niraj - 2026

This paper examines the interplay between financial inclusion and FinTech in shaping banking stability, with a focus on economies in the Asia and Pacific region. Using an unbalanced panel dataset from 21 economies from 2000 to 2021, the paper finds that financial inclusion enhances banking...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628623

Fintech adoption and bank risk, efficiency and stability : evidence from panel data of selected Asian economies

Uddin, Helal; Barai, Munim Kumar - 2026

Asia presently houses some of the top and dynamic economies in the world. These economies have also experienced high fintech adoption in their banking sectors. This paper examines the impact of fintech adoption and integration on the efficiency and stability of banks in 9 Asian countries, using...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628633

Government of Canada fixed-income market ecology II : Government of Canada bond dealing

Kocourek, Petr; Walton, Adrian - 2026 - Last updated: March 10, 2026

This paper describes the organization of the market for trading Government of Canada (GoC) bonds. We outline the role of investment dealers in intermediating trading, distributing GoC securities and providing liquidity across the yield curve. We describe the key features of GoC bond trading and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015638767

At cross-purposes : how prudential and monetary rate policies create asymmetric frictions in the banking sector

Widiyanti, Shandra; Siregar, Hermanto; Ratnawati, Anny; … - 2026

Indonesia's financial system is bank-centric, with banks managing approximately 78% of the nation's financial assets; therefore, the effectiveness of monetary policy transmission depends on banks' responsiveness to the central bank's interest rate policy (the BI Rate). However, a policy-relevant...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639037

Move fast and break everything : crypto, democrats and deregulation

Ferguson, Thomas; Chen, Jie; Lalisse, Matthias; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639801

Bail-in or bailout? : regulatory power in coco bond yields

Chen, Jiacheng; Farkas, Walter; Lucescu, Patrick - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015640041

Regulatory simplification and bank lending : evidence from the community bank leverage ratio

Pappas, Vasileios; Petropoulou, Athina; Ongena, Steven - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015640043

Optimal intermediary contracts

Arjmandi, Nabi; Gu, Chao; Haslag, Joseph H.; Wang, Yajie - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015641817

Exploring the effects of FinTech adoption on traditional banking : a systematic literature review on opportunities and challenges

Ghosh, Prosenjeet; Golder, Uttam - 2026

The rise of financial technology (FinTech) is transforming financial services and reshaping traditional banking by driving innovation while challenging established institutions. This study systematically reviews existing research to understand the impact of FinTech adoption in traditional...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644075

Banking competition and access to cash and retail banking services in rural Canada

Xiao, Hong Yu; Petrunia, Robert; Lucky, Sarah - 2026 - Last updated: June 11, 2026

We study the accessibility and competitive structure of Canadian retail banking and cash services in rural, localized markets using the Bresnahan-Reiss entry threshold framework. We estimate population thresholds required to support a given number of establishments in two segments of the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655740

The effect of regulatory liquidity measure on bank capital structure

Mabandla, Ndonwabile Zimasa; Marozva, Godfrey - 2026

This study investigates the effects of liquidity regulation, specifically the liquidity coverage ratio (LCR), on the capital structure of South African banks, with a focus on debt maturity composition. Using panel data covering the period 2015-2024, the analysis applies the Generalized Method of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015656185

Everything you want to know about the bank's Standing Liquidity Facility… but were too afraid to ask!

McRae, Kaetlynd; Chen, Jessie Ziqing - 2026 - Last updated: June 11, 2026

The Standing Liquidity Facility (SLF) is one of the Bank of Canada's least discussed tools - and one of its most important. Embedded directly in Canada's high-value payment system, Lynx, the SLF operates quietly in the background every business day, ensuring the smooth settlement of payments and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015661122