CRD IV对银行贷款的影响

Q3 Social Sciences European Journal of Government and Economics Pub Date : 2019-12-17 DOI:10.17979/ejge.2019.8.2.4656

M. Huhtilainen

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引用次数: 0

摘要

本研究涉及金融危机后的欧盟银行监管改革CRD IV。具体重点是增加资本要求与随后银行信贷供应和价格变化之间的关系。本研究采用了双重数据，包括2002-2018年期间芬兰非上市储蓄和合作银行的关键人物小组和对芬兰机构人员进行的代表性调查。除了关于银行盈利能力影响的一致发现以及关于银行规模和GDP增长影响的相当一致的发现外，关键发现表明CRD IV下的贷款供应略有减少。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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The Impact of CRD IV on Bank Lending

This study addresses the post-financial crisis EU banking regulation reform CRD IV. The specific focus is on the relationship between increased capital requirements and the subsequent change in both supply and the price of bank credit. This study employs a twofold data consisting of a panel of Finnish unlisted savings and cooperative banks’ key figures over the period 2002-2018 and a representative survey conducted with personnel of Finnish institutions. In addition to the consistent finding in regards to the effect of bank profitability as well as fairly consistent findings in regards to the effect of bank size and GDP growth, the key finding suggests a slight decrease in loan supply under the CRD IV.

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来源期刊

European Journal of Government and Economics Social Sciences-Public Administration

CiteScore

0.90

自引率

0.00%

发文量

审稿时长

14 weeks

期刊介绍： The European Journal of Government and Economics (EJGE) is an international academic journal for peer reviewed research on all aspects of government and economics. EJGE is particularly interested in current issues regarding the interrelationship between the fields of government and economics, from the influence of government on the economy (economic policy) to economic explanations of government (public choice). It is also particularly interested in questions directly or indirectly related to Europe.