Questions tagged [banking]

Use for questions about banks, their operations, and their role in the broader economic and financial system.

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4
votes
1answer
85 views

Can one bank be the correspondent bank of itself?

http://www.investopedia.com/terms/c/correspondent-bank.asp Correspondent bank is like a delegator in a country to operate on behalf of the delegatee who doesn't normally has established business in ...
8
votes
2answers
2k views

List of EU banks that received state aid

Is there a list of EU banks that got state aid / bailed out since 2008 crisis? I know EU state aid commission approves the fundings to banks, but does anyone keep track of which banks are tapping into ...
0
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1answer
6k views

What does it mean when a bank is “fully loaned up”?

Please briefly explain the situation when a bank is "fully loaned up".
3
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1answer
4k views

Difference between CCAR and ICAAP stress tests

What is the difference between ICAAP and CCAR? Except that one is for USA and other is for Canada?
5
votes
2answers
934 views

How can there be an electronic bank run?

I read that at 2008 there was an electronic bank run. From what I undestand bank runs occur due to the fractional reserve banking system. The actual real money you can hold on your hand are a ...
3
votes
2answers
636 views

How do we explain the difference in average leverage between banks and non-financial firms?

I've been reading a little about the capital structure of banks. For example, in this working paper, "Financing as a Supply Chain: The Capital Structure of Banks and Borrowers" by Gornall ...
3
votes
1answer
57 views

Total amount of bank loans in a country

I am looking for total amount of customer loans banks are giving in a country. I can find data for US at http://research.stlouisfed.org/fred2/series/CLSACBW027SBOG However I am looking for ...
3
votes
4answers
314 views

What is the justification for it being a problem if loans are not paid back?

As far as I could understand, the loan system applied by banks which is based on a fractional reserve system works as follows: Assumptions: The bank has initially 1000$. The fractional reserve is ...
6
votes
3answers
3k views

How does inflation impact the welfare of the economy?

When the government causes inflation through printing money, the individuals who saved their money in the bank are poorer. Is there a way to determine how different inflation rates impact the welfare ...
9
votes
1answer
129 views

How did the Bail-In in Cyprus Work?

I've seen some articles online about the Cyprus-style bail-ins When the bail-in actually happened there, they took money from people's accounts, but from where did they take the money? For example, ...
9
votes
2answers
120 views

Are the figures quoted in this liblabcon's blog post accurate? (topic: UK banks)

Background With regards to the UK government. I have recently been involved in a debate stemming from figures mentioned in this blog post (the blogger was advocated by Occupy London's facebook page ...
15
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5answers
2k views

Implications of abolishing Fractional Reserve Banking on mortgages and interest rates

Suppose for a moment that someone with legislative power decides to abolish Fractional Reserve Banking and passes a law that forces banks to only lend the money they own, that is M0. What would be the ...
7
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1answer
102 views

Banking System, Canada & US

Why are the way banks are established and spread out in Canada and US so different? Canada: There are only six major banks and most products offered are very competitive. Its almost unusual to hear ...
9
votes
1answer
204 views

Banking Regulatory Frameworks, between the 1973 collapse of Bretton Woods and the introduction of the Basel Accords in 1988?

Does anyone know of any work on banking system behaviour, and in particular the governing regulatory frameworks that applied between the 1973 collapse of the gold standard based Bretton Woods system ...
0
votes
1answer
308 views

What is the impact on the money supply of a reduction in the required reserve ratio? [closed]

In April 2011, the money supply was estimated to be 52 million hurls. At the same time, bank reserves were 6.24 million hurls and the reserve requirement was 12 percent. The banking industry, being “...
2
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2answers
274 views

Is there a theory of financial regulation?

I wonder whether there exists (even a young) theory of financial regulation in the sense of "how to regulate a financial institution/system in an optimal manner"? I mean, there is experience about ...

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