The Evolution and Impact of Bank Regulations
This paper reassesses what works in banking regulation based on the new World Bank survey (Survey IV) of bank regulation and supervision around world. The paper briefly presents new and official survey information on bank regulations in more than 1...
| Main Authors: | , , |
|---|---|
| Format: | Policy Research Working Paper |
| Language: | English en_US |
| Published: |
World Bank, Washington, DC
2013
|
| Subjects: | |
| Online Access: | http://hdl.handle.net/10986/12183 |
| id |
okr-10986-12183 |
|---|---|
| recordtype |
oai_dc |
| spelling |
okr-10986-121832017-12-14T04:12:27Z The Evolution and Impact of Bank Regulations Barth, James R. Caprio, Gerard, Jr. Levine, Ross ACCOUNTABILITY ACCOUNTING AMOUNT OF CAPITAL ARREARS ASSET DIVERSIFICATION AUDITING AUDITOR BALANCE SHEET BANK ACTIVITIES BANK ACTIVITY BANK ASSETS BANK BORROWERS BANK ENTRY BANK FOR INTERNATIONAL SETTLEMENTS BANK LOAN BANK REGULATION BANK REGULATIONS BANK SUPERVISION BANK SUPERVISORS BANK VALUATION BANKING ASSETS BANKING INDUSTRY BANKING REGULATION BANKING SECTOR BANKING SECTOR DEVELOPMENT BANKING SYSTEM BANKING SYSTEM DEVELOPMENT BANKING SYSTEMS BANKS BRIBE CAPITAL REGULATION CAPITAL REQUIREMENTS CD CIVIL LAW CONSOLIDATED FINANCIAL STATEMENTS CORRUPT CORRUPTION CREDIT-RATING AGENCIES CRISIS COUNTRIES CROSS-BORDER BANKING CURRENCY DATA AVAILABILITY DEPOSIT DEPOSIT INSURANCE DEPOSIT MONEY BANKS DEPOSITOR DEVELOPING COUNTRIES DISCLOSURE REQUIREMENTS DISCRETION DOMESTIC BANK DUMMY VARIABLES ECONOMIC GROWTH ENDOWMENTS ENTRY REQUIREMENTS FINANCIAL CONGLOMERATES FINANCIAL DEVELOPMENT FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL REGULATION FINANCIAL SECTOR FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR REFORM FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SYSTEMS FOREIGN BANKS FOREIGN ENTRY FOREIGN LOANS GOVERNMENT BANKS GOVERNMENT OWNERSHIP GOVERNMENT POLICY GOVERNMENT SECURITIES INEQUALITY INSURANCE INSURANCE ACTIVITIES INTEGRITY INTEREST INCOME INTERNATIONAL BANK INTERNATIONAL CREDIT INTERNATIONAL ECONOMICS INTERNATIONAL RATING AGENCIES LAWS LEGAL REQUIREMENTS LIQUIDITY LOAN CLASSIFICATION MARKET STRUCTURE MONETARY FUND MORAL HAZARD MUTUAL FUND MUTUAL FUND INDUSTRY NET INTEREST MARGIN NONPERFORMING LOANS OVERHEAD COSTS POLITICAL SYSTEMS POLITICIANS PRIVATE INVESTORS PRIVATE SECTOR DEVELOPMENT RATING AGENCIES REAL ESTATE REAL ESTATE INVESTMENT REGULATORS REGULATORY AUTHORITIES REGULATORY CAPITAL REGULATORY ENVIRONMENT REGULATORY POLICIES REGULATORY REGIMES REGULATORY REQUIREMENTS REGULATORY RESTRICTION REGULATORY RESTRICTIONS REGULATORY SYSTEMS RISK MANAGEMENT SAVINGS SECURITIES SECURITIES ACTIVITIES SHAREHOLDERS SOLVENCY SOURCE OF FUNDS SOURCES OF FUNDS SUBORDINATED DEBT SUPERVISORY AGENCIES SUPERVISORY AUTHORITIES SUPERVISORY POWER SUPERVISORY POWERS This paper reassesses what works in banking regulation based on the new World Bank survey (Survey IV) of bank regulation and supervision around world. The paper briefly presents new and official survey information on bank regulations in more than 125 countries, makes comparisons with earlier surveys since 1999, and assesses the relationship between changes in bank regulations and banking system performance. The data suggest that many countries made capital regulations more stringent and granted greater discretionary power to official supervisory agencies over the past 12 years, but most countries have not enhanced the ability and incentives of private investors to monitor banks rigorously -- and several have weakened such private monitoring incentives. Although it is difficult to draw causal inferences from these data, and while there are material cross-country differences in the evolution of regulatory reforms, existing evidence suggests that many countries are making counterproductive changes to their bank regulations by not enhancing the ability and incentives of private investors to scrutinize banks. 2013-01-28T22:49:53Z 2013-01-28T22:49:53Z 2012-12 http://hdl.handle.net/10986/12183 English en_US Policy Research Working Paper; No. 6288 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Policy Research Working Paper Publications & Research |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
World Bank |
| building |
World Bank Open Knowledge Repository |
| collection |
Online Access |
| language |
English en_US |
| topic |
ACCOUNTABILITY ACCOUNTING AMOUNT OF CAPITAL ARREARS ASSET DIVERSIFICATION AUDITING AUDITOR BALANCE SHEET BANK ACTIVITIES BANK ACTIVITY BANK ASSETS BANK BORROWERS BANK ENTRY BANK FOR INTERNATIONAL SETTLEMENTS BANK LOAN BANK REGULATION BANK REGULATIONS BANK SUPERVISION BANK SUPERVISORS BANK VALUATION BANKING ASSETS BANKING INDUSTRY BANKING REGULATION BANKING SECTOR BANKING SECTOR DEVELOPMENT BANKING SYSTEM BANKING SYSTEM DEVELOPMENT BANKING SYSTEMS BANKS BRIBE CAPITAL REGULATION CAPITAL REQUIREMENTS CD CIVIL LAW CONSOLIDATED FINANCIAL STATEMENTS CORRUPT CORRUPTION CREDIT-RATING AGENCIES CRISIS COUNTRIES CROSS-BORDER BANKING CURRENCY DATA AVAILABILITY DEPOSIT DEPOSIT INSURANCE DEPOSIT MONEY BANKS DEPOSITOR DEVELOPING COUNTRIES DISCLOSURE REQUIREMENTS DISCRETION DOMESTIC BANK DUMMY VARIABLES ECONOMIC GROWTH ENDOWMENTS ENTRY REQUIREMENTS FINANCIAL CONGLOMERATES FINANCIAL DEVELOPMENT FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL REGULATION FINANCIAL SECTOR FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR REFORM FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SYSTEMS FOREIGN BANKS FOREIGN ENTRY FOREIGN LOANS GOVERNMENT BANKS GOVERNMENT OWNERSHIP GOVERNMENT POLICY GOVERNMENT SECURITIES INEQUALITY INSURANCE INSURANCE ACTIVITIES INTEGRITY INTEREST INCOME INTERNATIONAL BANK INTERNATIONAL CREDIT INTERNATIONAL ECONOMICS INTERNATIONAL RATING AGENCIES LAWS LEGAL REQUIREMENTS LIQUIDITY LOAN CLASSIFICATION MARKET STRUCTURE MONETARY FUND MORAL HAZARD MUTUAL FUND MUTUAL FUND INDUSTRY NET INTEREST MARGIN NONPERFORMING LOANS OVERHEAD COSTS POLITICAL SYSTEMS POLITICIANS PRIVATE INVESTORS PRIVATE SECTOR DEVELOPMENT RATING AGENCIES REAL ESTATE REAL ESTATE INVESTMENT REGULATORS REGULATORY AUTHORITIES REGULATORY CAPITAL REGULATORY ENVIRONMENT REGULATORY POLICIES REGULATORY REGIMES REGULATORY REQUIREMENTS REGULATORY RESTRICTION REGULATORY RESTRICTIONS REGULATORY SYSTEMS RISK MANAGEMENT SAVINGS SECURITIES SECURITIES ACTIVITIES SHAREHOLDERS SOLVENCY SOURCE OF FUNDS SOURCES OF FUNDS SUBORDINATED DEBT SUPERVISORY AGENCIES SUPERVISORY AUTHORITIES SUPERVISORY POWER SUPERVISORY POWERS |
| spellingShingle |
ACCOUNTABILITY ACCOUNTING AMOUNT OF CAPITAL ARREARS ASSET DIVERSIFICATION AUDITING AUDITOR BALANCE SHEET BANK ACTIVITIES BANK ACTIVITY BANK ASSETS BANK BORROWERS BANK ENTRY BANK FOR INTERNATIONAL SETTLEMENTS BANK LOAN BANK REGULATION BANK REGULATIONS BANK SUPERVISION BANK SUPERVISORS BANK VALUATION BANKING ASSETS BANKING INDUSTRY BANKING REGULATION BANKING SECTOR BANKING SECTOR DEVELOPMENT BANKING SYSTEM BANKING SYSTEM DEVELOPMENT BANKING SYSTEMS BANKS BRIBE CAPITAL REGULATION CAPITAL REQUIREMENTS CD CIVIL LAW CONSOLIDATED FINANCIAL STATEMENTS CORRUPT CORRUPTION CREDIT-RATING AGENCIES CRISIS COUNTRIES CROSS-BORDER BANKING CURRENCY DATA AVAILABILITY DEPOSIT DEPOSIT INSURANCE DEPOSIT MONEY BANKS DEPOSITOR DEVELOPING COUNTRIES DISCLOSURE REQUIREMENTS DISCRETION DOMESTIC BANK DUMMY VARIABLES ECONOMIC GROWTH ENDOWMENTS ENTRY REQUIREMENTS FINANCIAL CONGLOMERATES FINANCIAL DEVELOPMENT FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL REGULATION FINANCIAL SECTOR FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR REFORM FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SYSTEMS FOREIGN BANKS FOREIGN ENTRY FOREIGN LOANS GOVERNMENT BANKS GOVERNMENT OWNERSHIP GOVERNMENT POLICY GOVERNMENT SECURITIES INEQUALITY INSURANCE INSURANCE ACTIVITIES INTEGRITY INTEREST INCOME INTERNATIONAL BANK INTERNATIONAL CREDIT INTERNATIONAL ECONOMICS INTERNATIONAL RATING AGENCIES LAWS LEGAL REQUIREMENTS LIQUIDITY LOAN CLASSIFICATION MARKET STRUCTURE MONETARY FUND MORAL HAZARD MUTUAL FUND MUTUAL FUND INDUSTRY NET INTEREST MARGIN NONPERFORMING LOANS OVERHEAD COSTS POLITICAL SYSTEMS POLITICIANS PRIVATE INVESTORS PRIVATE SECTOR DEVELOPMENT RATING AGENCIES REAL ESTATE REAL ESTATE INVESTMENT REGULATORS REGULATORY AUTHORITIES REGULATORY CAPITAL REGULATORY ENVIRONMENT REGULATORY POLICIES REGULATORY REGIMES REGULATORY REQUIREMENTS REGULATORY RESTRICTION REGULATORY RESTRICTIONS REGULATORY SYSTEMS RISK MANAGEMENT SAVINGS SECURITIES SECURITIES ACTIVITIES SHAREHOLDERS SOLVENCY SOURCE OF FUNDS SOURCES OF FUNDS SUBORDINATED DEBT SUPERVISORY AGENCIES SUPERVISORY AUTHORITIES SUPERVISORY POWER SUPERVISORY POWERS Barth, James R. Caprio, Gerard, Jr. Levine, Ross The Evolution and Impact of Bank Regulations |
| relation |
Policy Research Working Paper; No. 6288 |
| description |
This paper reassesses what works in
banking regulation based on the new World Bank survey
(Survey IV) of bank regulation and supervision around world.
The paper briefly presents new and official survey
information on bank regulations in more than 125 countries,
makes comparisons with earlier surveys since 1999, and
assesses the relationship between changes in bank
regulations and banking system performance. The data suggest
that many countries made capital regulations more stringent
and granted greater discretionary power to official
supervisory agencies over the past 12 years, but most
countries have not enhanced the ability and incentives of
private investors to monitor banks rigorously -- and several
have weakened such private monitoring incentives. Although
it is difficult to draw causal inferences from these data,
and while there are material cross-country differences in
the evolution of regulatory reforms, existing evidence
suggests that many countries are making counterproductive
changes to their bank regulations by not enhancing the
ability and incentives of private investors to scrutinize banks. |
| format |
Publications & Research :: Policy Research Working Paper |
| author |
Barth, James R. Caprio, Gerard, Jr. Levine, Ross |
| author_facet |
Barth, James R. Caprio, Gerard, Jr. Levine, Ross |
| author_sort |
Barth, James R. |
| title |
The Evolution and Impact of Bank Regulations |
| title_short |
The Evolution and Impact of Bank Regulations |
| title_full |
The Evolution and Impact of Bank Regulations |
| title_fullStr |
The Evolution and Impact of Bank Regulations |
| title_full_unstemmed |
The Evolution and Impact of Bank Regulations |
| title_sort |
evolution and impact of bank regulations |
| publisher |
World Bank, Washington, DC |
| publishDate |
2013 |
| url |
http://hdl.handle.net/10986/12183 |
| _version_ |
1610775075151151104 |