Search Results - subject_exact:"Bankpolitik"

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

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

Persistent link: https://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://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://ebvufind01.dmz1.zbw.eu/10015618124

Populistic surfing : consensus, monetary and banking policies

Favaretto, Federico; Masciandaro, Donato - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609534

Model risk under CECL : a consumer finance perspective

Canals-Cerdá, José J. - 2026

Persistent link: https://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://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://ebvufind01.dmz1.zbw.eu/10015611269

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

Cuijpers, Eric; Vlahu, Razvan - 2026

Persistent link: https://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://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://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://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://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://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

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://ebvufind01.dmz1.zbw.eu/10015604653

Disentangling the "shadow banking" metaphor

Labat Moles, Héctor - 2026

Persistent link: https://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://ebvufind01.dmz1.zbw.eu/10015605600

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A structural model of capital buffer usability

Lang, Jan Hannes; Menno, Dominik - 2026

Book / Working Paper

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://ebvufind01.dmz1.zbw.eu/10015625432

A structural model of capital buffer usability

Lang, Jan Hannes; Menno, Dominik - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016070032

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A structural model of capital buffer usability

Lang, Jan Hannes; Menno, Dominik - 2026

Book / Working Paper

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://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://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://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://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://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://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://ebvufind01.dmz1.zbw.eu/10015639037

Move fast and break everything : crypto, democrats and deregulation

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

Persistent link: https://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://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://ebvufind01.dmz1.zbw.eu/10015640043

Optimal intermediary contracts

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

Persistent link: https://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://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://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://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://ebvufind01.dmz1.zbw.eu/10015661122

Banking regulation with risk of sovereign default

D'Erasmo, Pablo N.; Livshits, Igor; Schoors, Koen - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015573480

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Banking regulation with risk of sovereign default

D'Erasmo, Pablo N.; Livshits, Igor; Schoors, Koen - 2026

Book / Working Paper

Banking regulation with risk of sovereign default

D'Erasmo, Pablo N.; Livshits, Igor; Schoors, Koen - 2019

Book / Working Paper

Banking regulation with risk of sovereign default

D'Erasmo, Pablo N.; Livshits, Igor; Schoors, Koen - 2019

Book / Working Paper

Regulatory and compliance issues in AI-driven financial services

Nahidi, Narmin - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015651226

Insurance and assurance : government interventions and depositor behavior in crisis

Atmaca, Sumeyra; Kirschenmann, Karolin; Ongena, Steven; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015652622

Bank regulation and the rise of nonbank intermediation

Brunetti, Celso; Frei, Christoph - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015653205

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026 - This version: April 20, 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015653218

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Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Book / Working Paper

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Book / Working Paper

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Financial liberalization is often seen as a way to deepen credit markets and stimulate economic growth, but it may also fuel credit booms that end in crisis. We construct a new cross-country database of banking regulation policies covering 21 regulatory indicators for 18 advanced economies since...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636254

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Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026 - This version: April 20, 2026

Edition: This version: April 20, 2026

Book / Working Paper

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Book / Working Paper

IMF austerity in practice : lessons from Argentina and implications for Lebanon's economic recovery

Accary, Johnny; Mrad, Jessica Abou; Fayad, Nour Mohamad - 2026

This paper provides a comparative analysis of the economic crises in Argentina and Lebanon to derive policy-relevant lessons for the design of IMF-supported adjustment programs in fragile economies. Using a structured comparative case study approach, the study examines crisis dynamics, policy...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015633908

Simplifying climate change adaptation for banks in the EU

Nieto, María J.; Papathanassiou, Chryssafoula - 2026

This paper studies the effectiveness of risk management, one of the two channels identified by the Network for Greening the Financial System (NGFS, 2024) as those through which the financial system contributes to physical risk adaptation in the European Union (EU). We assess the efficacy of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636150

Understanding the banking sector capital framework in the European Union

Dzezulskis, Skirmantas; Libertucci, Massimo; McPhilemy, … - 2026

This paper describes and evaluates the European Union (EU) banking sector capital framework, focusing on how the international standards set by the Basel Committee on Banking Supervision have been implemented within the EU. Using granular supervisory data for significant institutions under the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636151

Deregulation : from theory to practice

Sturzenegger, Federico - 2026

This paper links microeconomic theory with the political economy of regulation. We explain why modern economies tend to become persistently over-regulated and we outline a practical strategy for deregulation. We argue that regulations are not the works of a benevolent central planner but rather...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636690

Bank valuation and macroprudential capital buffers

Cuijpers, Eric - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015668638

Calibrating the positive neutral and overall CCyB : a macroprudential stress testing approach

Mikaliūnaitė-Jouvanceau, Ieva - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669004

Bank capital and the minimum corporate tax

Chiari, Alessandro - 2026

This paper examines whether the Pillar Two Global Minimum Tax reduces bank profitability and regulatory capital, and for which banks the effects are strongest. We use a quarterly exposure-based differencein differences design around 2024Q1, where treatment intensity is defined by pre-2024...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015667752