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Capital regulation, risk-taking, ban...

University of New Orleans.

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Capital regulation, risk-taking, bank lending and depositor discipline.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Capital regulation, risk-taking, bank lending and depositor discipline./
Author:	Hussain, Mohammed Ershad.
Description:	111 p.
Notes:	Source: Dissertation Abstracts International, Volume: 69-05, Section: A, page: 1915.
Contained By:	Dissertation Abstracts International69-05A.
Subject:	Business Administration, Banking. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3313781
ISBN:	9780549645115

Capital regulation, risk-taking, bank lending and depositor discipline.
Hussain, Mohammed Ershad.

Capital regulation, risk-taking, bank lending and depositor discipline. - 111 p.

Source: Dissertation Abstracts International, Volume: 69-05, Section: A, page: 1915.

Thesis (Ph.D.)--University of New Orleans, 2007.

Keywords: Bank Regulations, Depositor Discipline, Risk Taking, Basel Capital Regulations, Credit Crunch.

ISBN: 9780549645115Subjects--Topical Terms:

1018458
Business Administration, Banking.

Capital regulation, risk-taking, bank lending and depositor discipline.
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035 $a (UMI)AAI3313781
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100 1 $a Hussain, Mohammed Ershad. $3 1057551
245 1 0 $a Capital regulation, risk-taking, bank lending and depositor discipline.
300 $a 111 p.
500 $a Source: Dissertation Abstracts International, Volume: 69-05, Section: A, page: 1915.
502 $a Thesis (Ph.D.)--University of New Orleans, 2007.
520 $a Keywords: Bank Regulations, Depositor Discipline, Risk Taking, Basel Capital Regulations, Credit Crunch.
520 $a In this dissertation we investigate different aspects of capital regulations and their impact on the behavior of commercial banks. In chapter two, we foucs on the impact of capital regulations on risk-taking of commercial banks in developed and developing countries separately and together. We find that such regulations indeed reduce the risk taking of commercial banks. At the same time, we examine the relationship between capital ratios and risk taking. In line with previous literature, we find that this ratio is negative also. Further examinations including the degree of liberalization and the level of financial development did not yield conclusive results.
520 $a In chapter three, we examine the relationship between the capital regulations and total lending and total deposits. We do not find conclusive evidence in support of the 'credit crunch' or the 'risk retrenchment' hypothesis. However, several important variables do show a tendency to change with capital ratios. As a result, changes in capital ratios in response to regulations do have important impact on bank lending and decision making.
520 $a In chapter four, we study five South East Asian countries within the context of the crisis of 1996. First we test for the existence of depositor discipline in these countries and find that the sate of such discipline is very weak even after such a huge crisis. We also test the degree of risk taking in the banking industry in these countries. Evidence shows that perfect competition prevails in the banking sector. We also try to establish the link between "the index of depositor discipline" and "index of competition". But we do not find evidence in support of this.
590 $a School code: 0108.
650 4 $a Business Administration, Banking. $3 1018458
650 4 $a Economics, Finance. $3 626650
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710 2 0 $a University of New Orleans. $3 1019084
773 0 $t Dissertation Abstracts International $g 69-05A.
790 $a 0108
791 $a Ph.D.
792 $a 2007
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3313781