Arbeitspapier
Do better capitalized banks lend less? Long-run panel evidence from Germany
Insufficient capital buffers of banks have been identified as one main cause for the large systemic effects of the recent financial crisis. Although higher capital is no panacea, it yet features prominently in proposals for regulatory reform. But how do increased capital requirements affect business loans? While there is widespread belief that the real costs of increased bank capital in terms of reduced loans could be substantial, there are good reasons to believe that the negative real sector implications need not be severe. In this paper, we take a long-run perspective by analyzing the link between the capitalization of the banking sector and bank loans using panel cointegration models. We study the evolution of the German economy for the past 60 years. We find no evidence for a negative impact of bank capital on business loans.
- Sprache
-
Englisch
- Erschienen in
-
Series: University of Tübingen Working Papers in Economics and Finance ; No. 37
- Klassifikation
-
Wirtschaft
Multiple or Simultaneous Equation Models: Panel Data Models; Spatio-temporal Models
- Thema
-
Bank capital
Business loans
Cointegration
Bank
Eigenkapital
Kreditgeschäft
Firmenkundengeschäft
Kointegration
Schätzung
Deutschland
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Buch, Claudia M.
Prieto, Esteban
- Ereignis
-
Veröffentlichung
- (wer)
-
University of Tübingen, Faculty of Economics and Social Sciences
- (wo)
-
Tübingen
- (wann)
-
2012
- Handle
- URN
-
urn:nbn:de:bsz:21-opus-62536
- Letzte Aktualisierung
-
10.03.2025, 11:42 MEZ
Datenpartner
Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Buch, Claudia M.
- Prieto, Esteban
- University of Tübingen, Faculty of Economics and Social Sciences
Entstanden
- 2012
Ähnliche Objekte (12)
Do better capitalized banks lend less? Long-run panel evidence from Germany
Do better capitalized banks lend less? Long-run panel evidence from Germany
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycles
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycle
Effort and redistribution: Better cousins than one might have thought
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Financial Market Integration in the US: Lessons for Europe?
Perspektiven für Forschung und Politikberatung am IWH - Antrittsrede der Präsidentin anlässlich der Amtseinführung
Why Do Banks Go Abroad? - Evidence from German Data
Financial Market Integration in a Monetary Union
Are Banks Different? Evidence from International Data
Do better capitalized banks lend less? Long-run panel evidence from Germany
Do better capitalized banks lend less? Long-run panel evidence from Germany
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycles
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycle
Effort and redistribution: Better cousins than one might have thought
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Financial Market Integration in the US: Lessons for Europe?
Perspektiven für Forschung und Politikberatung am IWH - Antrittsrede der Präsidentin anlässlich der Amtseinführung
Why Do Banks Go Abroad? - Evidence from German Data
Financial Market Integration in a Monetary Union
Are Banks Different? Evidence from International Data
Do better capitalized banks lend less? Long-run panel evidence from Germany
Do better capitalized banks lend less? Long-run panel evidence from Germany
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycles
International Bank Portfolios: Short- and Long-Run Responses to the Business Cycle
Effort and redistribution: Better cousins than one might have thought
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Do Better Capitalized Banks Lend Less? Long-Run Panel Evidence from Germany
Financial Market Integration in the US: Lessons for Europe?
Perspektiven für Forschung und Politikberatung am IWH - Antrittsrede der Präsidentin anlässlich der Amtseinführung
Why Do Banks Go Abroad? - Evidence from German Data
Financial Market Integration in a Monetary Union