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Does bank regulation spill over to firm financing?: SME financing, bank monitoring, and the efficiency of the bank lending channel
University of Gothenburg, Sweden.
Linnaeus University, School of Business and Economics, Department of Economics and Statistics.ORCID iD: 0000-0003-4744-0305
2018 (English)In: Contemporary issues in banking: regulation, governance and performance / [ed] Myriam García-Olalla & Judith Clifton, Basingstoke: Palgrave Macmillan, 2018, p. 279-302Chapter in book (Refereed)
Abstract [en]

This chapter analyses spill over between banks and firms when required bank capital is regulated. We contribute to the existing literature by addressing different regulatory responses with an impact on the supply and demand of bank lending. The chapter contributes to the growing literature addressing the unintended consequences of regulatory policy development. The study empirically compares the regulatory responses of Swedish banks and how these responses affect lending to Swedish SMEs. The theoretical framework and methodology employed in this chapter make it possible to study theories related to bank monitoring, regulatory arbitrage opportunities, and the risk-return trade off. The main results indicate that banks’ regulatory responses are associated with increasing lending margins, either by (1) increasing the margin on the loan portfolios, spilling over the regulatory costs through higher prices, (2) lower acceptance of lower return customers, or (3) regulatory arbitrage through balance sheet adjustments.

Place, publisher, year, edition, pages
Basingstoke: Palgrave Macmillan, 2018. p. 279-302
Series
Palgrave Macmillan Studies in Banking and Financial Institutions, ISSN 2523-336X
Keywords [en]
bank regulation, reaching for yield, bank monitoring, debt, regulatory arbitrage, SME access to funding
National Category
Economics and Business
Research subject
Economy
Identifiers
URN: urn:nbn:se:lnu:diva-82048DOI: 10.1007/978-3-319-90294-4_13ISI: 000463329400013ISBN: 978-3-319-90294-4 (electronic)ISBN: 978-3-319-90293-7 (print)OAI: oai:DiVA.org:lnu-82048DiVA, id: diva2:1305844
Conference
Wolpertinger Conference of the European-Association-of-University-Teachers-of-Banking-and-Finance, Santander, SPAIN, SEP, 2017
Available from: 2019-04-18 Created: 2019-04-18 Last updated: 2019-04-26Bibliographically approved

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Willesson, Magnus

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf