banking laws and regulations an economic perspective

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Banking Laws And Regulations

Author : Nicholas A. Lash
ISBN : 0130556092
Genre : Law
File Size : 36. 67 MB
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Regulatory Reform In China And The Eu

Author : Stefan E. Weishaar
ISBN : 9781785368547
Genre :
File Size : 75. 52 MB
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With the Chinese government planning a comprehensive and detailed reform of regulatory law, the European experience is likely to contribute significantly. This timely book analyses comparative Chinese and EU regulatory reform from a Law and Economics perspective.

U S Bank Deregulation In Historical Perspective

Author : Charles W. Calomiris
ISBN : 9780521028387
Genre : Business & Economics
File Size : 50. 31 MB
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This book shows how deregulation is transforming the size, structure, and geographic range of U.S. banks, the scope of banking services, and the nature of bank-customer relationships. Over the past two decades the characteristics that had made American banks different from other banks throughout the world--a fragmented geographical structure of the industry, which restricted the scale of banks and their ability to compete with one another, and strict limits on the kinds of products and services commercial banks could offer--virtually have been eliminated. Understanding the origins and persistence of the unique banking regulations that defined U.S. banking for over a century lends an important perspective on the economic and political causes and consequences of the current process of deregulation.

The New Financial Architecture

Author : Benton E. Gup
ISBN : 1567203418
Genre : Business & Economics
File Size : 40. 85 MB
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Dr. Gup and his panel of regulatory professionals and academics explore some of the hottest topics in what has been called the New Financial Architecture-a quest for new methods of bank regulation that can cope with dramatic changes occurring in the world's financial markets and institutions. They suggest solutions, probe the difficulties in implementing them, and in a surprising twist, show how some of the more newsmaking solutions may not work as well as some experts believe. An important resource for professionals throughout the banking and financial services industries, and their academic colleagues.

Banking Law And Regulation

Author :
ISBN : 9781454801078
Genre :
File Size : 46. 32 MB
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The Political Economy Of Banking Regulation

Author : Mario Villalpando-Benitez
ISBN : UCSD:31822031588163
Genre : Banking law
File Size : 65. 77 MB
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Regulatory policy is based on a trade-off: soundness versus efficiency. The model synthesizes the public interest and political economy motives of regulation. A main prediction is that regulation is dynamically time-inconsistent because the regulator uses its discretionary and coercive power to renege on the agreement with the incumbent banks to obtain windfall revenues. The model empirically fits the Mexican experience. Non-public interest factors weighted more in the making of regulatory policy in the 1940-1956 period. This was a period of easy bank entry and increasing public sector budget financing with bank resources. Public interest motives were more important for 1957-1978 and for the overall 1940-1978 period. These findings support the claim that long-run growth with financial stability of the Mexican economy was based on two elements. First, financing of the public sector deficit with bank resources avoided excessive use of the inflation tax. Second, while regulatory policy reflected political economy factors, the promotion of stability was a key factor in banking policy.

Banking Regulation And World Trade Law

Author : Lazaros E. Panourgias
ISBN : 9781847311818
Genre : Law
File Size : 79. 38 MB
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Banking Regulation and World Trade Law concerns the legal aspects of the interaction between banking regulation and international trade in financial services. The author studies the internal banking market of the European Union, the liberalisation of financial services trade in the World Trade Organization, the accords of the Basel Committee on Banking Supervision and the European Central Bank. The book focuses on the balancing between banking regulation and international trade law. It discusses discrimination and proportionality in national banking regulation, the allocation of prudential regulation and supervision between home and host country, and international financial law-making. The author questions decentralised/nation-based banking regulation and supervision as a foundation for a sustainable liberalisation of international trade in financial services. The book considers various reforms of the international financial architecture, such as the incorporation of the Basel processes and accords into the WTO system, and the setting up of new international institutions by building on the Basel Committees or the IMF structures. The role of central banking in designing the international financial architecture is also explored: the book reviews the ECB's competence over foreign exchange policy and its function as lender of last resort, and treats price stability, banking soundness and representation as critical concepts. The analysis also reveals that the concept of 'prudential', despite its extensive use in banking regulation, has not been defined with adequate precision. In seeking to delineate the interface between international economic law and banking regulation, Dr Panourgias builds on the rich European scholarship on institutional financial issues and the US interdisciplinary approach to world trade law. He also entertains the notion of international financial law as a distinct field. The book will be of particular interest to those concerned with financial law and international banking.

German Banking Law And Practice In International Perspective

Author : Norbert Horn
ISBN : 9783110869972
Genre : Law
File Size : 70. 52 MB
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A study of German banking law and practice. The articles are designed to cover the subject and take a systematic approach. They are written by experts from authorities, banks and universities. The idea for the book was born in a conference on German and Chinese banking law.

Competition And Stability In Banking

Author : Xavier Vives
ISBN : 9781400880904
Genre : Business & Economics
File Size : 75. 56 MB
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Does too much competition in banking hurt society? What policies can best protect and stabilize banking without stifling it? Institutional responses to such questions have evolved over time, from interventionist regulatory control after the Great Depression to the liberalization policies that started in the United States in the 1970s. The global financial crisis of 2007–2009, which originated from an oversupply of credit, once again raised questions about excessive banking competition and what should be done about it. Competition and Stability in Banking addresses the critical relationships between competition, regulation, and stability, and the implications of coordinating banking regulations with competition policies. Xavier Vives argues that while competition is not responsible for fragility in banking, there are trade-offs between competition and stability. Well-designed regulations would alleviate these trade-offs but not eliminate them, and the specificity of competition in banking should be accounted for. Vives argues that regulation and competition policy should be coordinated, with tighter prudential requirements in more competitive situations, but he also shows that supervisory and competition authorities should stand separate from each other, each pursuing its own objective. Vives reviews the theory and empirics of banking competition, drawing on up-to-date analysis that incorporates the characteristics of modern market-based banking, and he looks at regulation, competition policies, and crisis interventions in Europe and the United States, as well as in emerging economies. Focusing on why banking competition policies are necessary, Competition and Stability in Banking examines regulation's impact on the industry's efficiency and effectiveness.

The Oxford Handbook Of Banking

Author : Allen N. Berger
ISBN : 9780199688500
Genre : Business & Economics
File Size : 89. 4 MB
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The Oxford Handbook of Banking, Second Edition provides an overview and analysis of developments and research in banking written by leading researchers in the field. This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners, regulators, and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner, and policy-related material. The Handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their corporate governance and risk management practices. Part II deals with Bank Operations and Performance. A range of issues are covered including bank performance, financial innovation, and technological change. Aspects relating to small business, consumer, and mortgage lending are analysed together with securitization, shadow banking, and payment systems. Part III entitled Regulatory and Policy Perspectives discusses central banking, monetary policy transmission, market discipline, and prudential regulation and supervision. Part IV of the book covers various Macroeconomic Perspectives in Banking. This part includes a discussion of systemic risk and banking and sovereign crises, the role of the state in finance and development as well as how banks influence real economic activity. The final Part V examines International Differences in Banking Structures and Environments. This part of the Handbook examines banking systems in the United States, European Union, Japan, Africa, Transition countries, and the developing nations of Asia and Latin America.

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