Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 276
Book Description
Bank Deregulation and Its Impact on Small Business Lending
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 276
Book Description
US Banking Deregulation, Small Businesses and Interstate Insurance of Personal Income
Author: Yuliya DemyanykPublisher:
ISBN: 9788275533621
Category : Banks and banking
Languages : en
Pages : 0
Book Description
The Redistributive Effects of Financial Deregulation
Author: Mr.Anton KorinekPublisher: International Monetary Fund
ISBN: 148430795X
Category : Business & Economics
Languages : en
Pages : 42
Book Description
Financial regulation is often framed as a question of economic efficiency. This paper, by contrast, puts the distributive implications of financial regulation center stage. We develop a model in which the financial sector benefits from risk-taking by earning greater expected returns. However, risktaking also increases the incidence of large losses that lead to credit crunches and impose negative externalities on the real economy. We describe a Pareto frontier along which different levels of risktaking map into different levels of welfare for the two parties. A regulator has to trade off efficiency in the financial sector, which is aided by deregulation, against efficiency in the real economy, which is aided by tighter regulation and a more stable supply of credit. We also show that financial innovation, asymmetric compensation schemes, concentration in the banking system, and bailout expectations enable or encourage greater risk-taking and allocate greater surplus to the financial sector at the expense of the rest of the economy.
Bank Lending in the Knowledge Economy
Author: Mr.Giovanni Dell'AricciaPublisher: International Monetary Fund
ISBN: 1484324897
Category : Business & Economics
Languages : en
Pages : 45
Book Description
We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Doing Business 2020
Author: World BankPublisher: World Bank Publications
ISBN: 1464814414
Category : Business & Economics
Languages : en
Pages : 254
Book Description
Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity.
Deregulation of Financial Institutions and Its Impact on Small Business Financing
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Banking law
Languages : en
Pages : 360
Book Description
The Future of Banking
Author: Benton E. GupPublisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 0
Book Description
Current Trends in the Financial Services Industry and Their Impact on Small Business Financing
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Financial institutions
Languages : en
Pages : 248
Book Description
Bank Deregulation and Its Impact on Small Business Lending
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 284
Book Description
Economic Regulation and Its Reform
Author: Nancy L. RosePublisher: University of Chicago Press
ISBN: 022613816X
Category : Business & Economics
Languages : en
Pages : 619
Book Description
The past thirty years have witnessed a transformation of government economic intervention in broad segments of industry throughout the world. Many industries historically subject to economic price and entry controls have been largely deregulated, including natural gas, trucking, airlines, and commercial banking. However, recent concerns about market power in restructured electricity markets, airline industry instability amid chronic financial stress, and the challenges created by the repeal of the Glass-Steagall Act, which allowed commercial banks to participate in investment banking, have led to calls for renewed market intervention. Economic Regulation and Its Reform collects research by a group of distinguished scholars who explore these and other issues surrounding government economic intervention. Determining the consequences of such intervention requires a careful assessment of the costs and benefits of imperfect regulation. Moreover, government interventions may take a variety of forms, from relatively nonintrusive performance-based regulations to more aggressive antitrust and competition policies and barriers to entry. This volume introduces the key issues surrounding economic regulation, provides an assessment of the economic effects of regulatory reforms over the past three decades, and examines how these insights bear on some of today’s most significant concerns in regulatory policy.