Essays On Regulation Risk Management And Governance Of Banks
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Essays On Regulation Risk Management And Governance Of Banks
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Author : Corinna Woyand
language : en
Publisher:
Release Date : 2019
Essays On Regulation Risk Management And Governance Of Banks written by Corinna Woyand and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
Essays On Commercial Bank Risk Regulation And Governance
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Author : Mohammad Faisal As Safa
language : en
Publisher:
Release Date : 2013
Essays On Commercial Bank Risk Regulation And Governance written by Mohammad Faisal As Safa and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Corporate Governance In Banking
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Author : Justine Chinoperekweyi, Ph.D.
language : en
Publisher: Notion Press
Release Date : 2009
Corporate Governance In Banking written by Justine Chinoperekweyi, Ph.D. and has been published by Notion Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
This thesis is the product of my PhD studies at the Department of International Economics and Management at Copenhagen Business School and consists of four essays - one literature review and three empirical studies - on different aspects of the corporate governance of banks. The four essays are self-contained and can be read independently.
Bank Regulation Risk Management And Compliance
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Author : Alexander Dill
language : en
Publisher: Taylor & Francis
Release Date : 2019-10-01
Bank Regulation Risk Management And Compliance written by Alexander Dill and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-01 with Law categories.
Bank Regulation, Risk Management, and Compliance is a concise yet comprehensive treatment of the primary areas of US banking regulation – micro-prudential, macroprudential, financial consumer protection, and AML/CFT regulation – and their associated risk management and compliance systems. The book’s focus is the US, but its prolific use of standards published by the Basel Committee on Banking Supervision and frequent comparisons with UK and EU versions of US regulation offer a broad perspective on global bank regulation and expectations for internal governance. The book establishes a conceptual framework that helps readers to understand bank regulators’ expectations for the risk management and compliance functions. Informed by the author’s experience at a major credit rating agency in helping to design and implement a ratings compliance system, it explains how the banking business model, through credit extension and credit intermediation, creates the principal risks that regulation is designed to mitigate: credit, interest rate, market, and operational risk, and, more broadly, systemic risk. The book covers, in a single volume, the four areas of bank regulation and supervision and the associated regulatory expectations and firms’ governance systems. Readers desiring to study the subject in a unified manner have needed to separately consult specialized treatments of their areas of interest, resulting in a fragmented grasp of the subject matter. Banking regulation has a cohesive unity due in large part to national authorities’ agreement to follow global standards and to the homogenizing effects of the integrated global financial markets. The book is designed for legal, risk, and compliance banking professionals; students in law, business, and other finance-related graduate programs; and finance professionals generally who want a reference book on bank regulation, risk management, and compliance. It can serve both as a primer for entry-level finance professionals and as a reference guide for seasoned risk and compliance officials, senior management, and regulators and other policymakers. Although the book’s focus is bank regulation, its coverage of corporate governance, risk management, compliance, and management of conflicts of interest in financial institutions has broad application in other financial services sectors. Chapter 6 of this book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 license.
Governance Regulation And Bank Stability
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Author : T. Lindblom
language : en
Publisher: Springer
Release Date : 2014-07-29
Governance Regulation And Bank Stability written by T. Lindblom and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-07-29 with Business & Economics categories.
This book provides novel insight into the governance of banks and looks at regulatory measures for strengthening bank stability. It includes empirical studies on the relationship between the board structures of banks and their financial risk-taking and analyses the determinants of bank reputation and the future prospects of small banks.
Bank Risk Governance And Regulation
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Author : Elena Beccalli
language : en
Publisher: Springer
Release Date : 2015-08-18
Bank Risk Governance And Regulation written by Elena Beccalli and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-08-18 with Business & Economics categories.
This book presents research from leading researchers in the European banking field to explore three key areas of banking. In Bank Risk, Governance and Regulation, the authors conduct micro- and macro- level analysis of banking risks and their determinants. They explore areas such as credit quality, bank provisioning, deposit guarantee schemes, corporate governance and cost of capital. The book then goes on to analyse different aspects of the relationship between bank risk management, governance and performance. Lastly the book explores the regulation of systemic risks posed by banks, and examines the effects of novel regulatory sets on bank conduct and profitability. The research in this book focuses on aspects of the European banking system; however it also offers wider insight into the global banking space and offers comparisons to international banking systems. The study provides in-depth insight into many areas of bank risk, governance and regulation, before finally addressing the question: which banking strategies are actually feasible?
Systemic Risk Institutional Design And The Regulation Of Financial Markets
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Author : Anita Anand
language : en
Publisher: Oxford University Press
Release Date : 2016-11-24
Systemic Risk Institutional Design And The Regulation Of Financial Markets written by Anita Anand and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-11-24 with Law categories.
Following the recent financial crisis, regulators have been preoccupied with the concept of systemic risk in financial markets, believing that such risk could cause the markets that they oversee to implode. At the same time, they have demonstrated a certain inability to develop and implement comprehensive policies to address systemic risk. This inability is due not only to the indeterminacy inherent in the term 'systemic risk' but also to existing institutional structures which, because of their existing legal mandates, ultimately make it difficult to monitor and regulate systemic risk across an entire economic system. Bringing together leading figures in the field of financial regulation, this collection of essays explores the related concepts of systemic risk and institutional design of financial markets, responding to a number of questions: In terms of systemic risk, what precisely is the problem and what can be done about it? How should systemic risk be regulated? What should be the role of the central bank, banking authorities, and securities regulators? Should countries implement a macroprudential regulator? If not, how is macroprudential regulation to be addressed within their respective legislative schemes? What policy mechanisms can be employed when developing regulation relating to financial markets? A significant and timely examination of one of the most intractable challenges posed to financial regulation.
Two Essays On Corporate Governance Asset Securitization And Accounting Misstatement In The Banking Industry
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Author : Jing Zhang
language : en
Publisher:
Release Date : 2015
Two Essays On Corporate Governance Asset Securitization And Accounting Misstatement In The Banking Industry written by Jing Zhang and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
"This dissertation consists of two essays that address important questions related to corporate governance and financial reporting in the banking industry. The first essay investigates why and how bank-level shareholder rights affect the quality of loans originated for securitization. Poor loan securitization has been blamed for the financial crisis. But why so many risky loans were originated for securitization remains an unsettled question. In this study, I attempt to address this question from a corporate governance angle. Focusing on a sample of securitization activities that involve less risk transfer, I find that banks with strong shareholder rights originate poor quality loans to securitize and experience large nonperforming and charge-off in securitized loans. This association is more pronounced in banks that have large and non-management shareholders. In addition, the negative impact of shareholder rights on the quality of securitized loans is also found to be more strengthened in banks that have larger information asymmetry between managers and shareholders. Lastly, banks with the highest shareholder rights pre-crisis are found to suffer the largest losses in securitized loans during the financial crisis. Overall, the evidence supports the view that stronger shareholder rights that impose intense pressure on managers encourage the origination and securitization of riskier loans. Hence, the failure of securitization is likely due to a failure of banks' internal governance, and there could be a potential negative consequence of having powerful shareholders in banks. These findings should provide insights into the ongoing regulatory reform with regard to rebuilding corporate governance mechanisms for financial institutions.The second essay investigates the characteristics of banks that are likely to misstate their financial statements. There has been an extensive amount of research studying the determinants of financial misreporting in the non-financial industry. However, very little work has been done as to what causes financial institutions to manage their earnings, and how we can best detect accounting misstatements in banks. The objective of this paper is to analyze the characteristics of misstating banks and develop a model to predict misstatements in the banking industry. Using a sample of 247 banks that had accounting restatements, I find that banks with financial misstatements have larger abnormal loan loss provisions, abnormal securitization income, and are more likely to engage in securitization business. I also find that managers are more likely to conduct accounting manipulations when there is underperformance, a demand to raise external financing, or a high leverage ratio. Furthermore, banks involved in more complicated business are found to face a higher likelihood of having misstatements. Together, my evidence suggests that bank managers use the discretions in loan loss provisions and securitization accounting estimates to manage financial numbers, and the key motivating factors for accounting manipulations are deteriorating performance and capital market pressure. Finally, a scaled logistic probability (B-score) is derived from the prediction model, which can be used to help investors, auditors or regulators to identify accounting misstatements in the banking industry." --
Risk Risk Management And Regulation In The Banking Industry
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Author : Peter Pelzer
language : en
Publisher: Routledge
Release Date : 2013
Risk Risk Management And Regulation In The Banking Industry written by Peter Pelzer and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Business & Economics categories.
This highly original book aims to broaden the discussion about risk, the management of risk and regulation, especially in the financial industry. By using terms of the philosopher Jacques Derrida, Peter Pelzer employs philosophical concepts to enrich the understanding of what risk is about and what is necessarily excluded in contemporary risk management.
Risk Management And Regulation In Banking
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Author : Dan Galai
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
Risk Management And Regulation In Banking written by Dan Galai and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Business & Economics categories.
Over the last fifty years, increasingly sophisticated risk measurement and management techniques have revolutionized the field of finance. More recently, the globalization of financial markets and policy changes in the regulation of financial institutions have impacted upon how commercial banks manage risk. The widespread implications of these fundamental changes prompted an international conference held in May, 1997, devoted to the topic of risk management and regulation in banking. This book contains the formal papers and the panel discussions that comprise the conference proceedings, and thus collects some of the latest research on managing financial market risk by top scholars, policymakers, and high-ranking banking officials from around the world.