NDLI: Bank Capital Requirements, Capital Structure and Regulation

Content Provider	Springer Nature Link
Author	Liang, Xiaozhong Ross, Stephen L. Harding, John P.
Copyright Year	2012
Abstract	This paper studies the impact of capital requirements, deposit insurance and franchise value on a bank’s capital structure. We find that properly regulated banks voluntarily choose to maintain capital in excess of the minimum required. Central to this decision is both firm franchise value and the ability of regulators to place banks in receivership stripping equity holders of firm value. These features of our model help explain both the capital structure of the large mortgage Government Sponsored Enterprises and the recent increase in risk taking through leverage by financial institutions. The insights gained from the model are useful in guiding the discussion of financial regulatory reforms.
Ending Page	148
Page Count	22
Starting Page	127
File Format	PDF
ISSN	09208550
e-ISSN	15730735
Journal	Journal of Financial Services Research
Issue Number	2
Volume Number	43
Language	English
Publisher	Springer US
Publisher Date	2012-02-04
Publisher Place	Boston
Access Restriction	One Nation One Subscription (ONOS)
Subject Keyword	Finance/Investment/Banking Accounting and Auditing: Government Policy and Regulation Capital Structure Macroeconomics/Monetary Economics Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill Corporate Finance and Governance: Government Policy and Regulation Investment Banks Financial Institutions and Services: Government Policy and Regulation Financial Intermediation Banks GSE Banks; Depository Institutions; Micro Finance Institutions; Mortgages Capital Regulation Leverage
Content Type	Text
Resource Type	Article
Subject	Finance Accounting Economics and Econometrics

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1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
2	Indian Institute of Technology Kharagpur	Host Institute of the Project: The host institute of the project is responsible for providing infrastructure support and hosting the project	https://www.iitkgp.ac.in
3	National Digital Library of India Office, Indian Institute of Technology Kharagpur	The administrative and infrastructural headquarters of the project	Dr. B. Sutradhar bsutra@ndl.gov.in
4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
5	Website/Portal (Helpdesk)	Queries regarding NDLI and its services	support@ndl.gov.in
6	Contents and Copyright Issues	Queries related to content curation and copyright issues	content@ndl.gov.in
7	National Digital Library of India Club (NDLI Club)	Queries related to NDLI Club formation, support, user awareness program, seminar/symposium, collaboration, social media, promotion, and outreach	clubsupport@ndl.gov.in
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