Bank regulation in most countries encompasses a lender of last resort, deposit insurance and supervision. These functions are interrelated and therefore require coordination among the authorities responsible for them. These authorities, however, are often established with di®erent mandates, some of which are likely to be in con°ict. We consider these issues by studying the optimal institutional...

The New Basel Capital Accord (Basel II) influences how financial institutions around the world, and especially European Union institutions, determine the amount of capital to reserve. However, as the recent global crisis has shown, the revision of Basel II is needed to reflect current trends, such as increased volatility and correlation, in the world financial markets. The overall objective of ...

This paper uses stochastic frontier analysis and Tobit regressions to provide international evidence on the impact of regulatory, supervision and environmental factors on bank efficiency. Our contribution is twofold. First, we use a newly constructed database of 3,086 observations from 677 publicly quoted commercial banks operating in 88 countries to provide cross-country evidence on the determ...

the aim of this study was to investigate the factors affecting timely repayment of agricultural loans in fars province. the necessary data was obtained from agricultural bank as well as through 163 questionnaires, filled out in fars-province. the farmers were divided in to timely repayment and defaulter groups while standard tobit model being used for the study. the dependent variable in this m...

This paper analyzes the impact of liquid asset holdings on bank profitability for a sample of Iranian banks. Using the Generalized Method of Moment (GMM), this study analyzes the profitability of listed banks using unbalanced panel data over the period of 2002-2009. We use the liquidity asset and liquidity asset-ratio square for estimating liquid asset and profitability relationship. The e...

In China’s bank-centered financial and economic environment, bank risk attitudes have an important impact on the effective implementation of structural monetary policy, policy can corporate ecosystem through taking by banks. To make assessment evolution banking empirically explore correlation between targeted Reserve Requirement Ratio (RRR) cuts banks’ risk-taking levels in context supply-side ...