Year: 2016
Author: Alessandrini, Pietro, Fratianni, Michele, Papi, Luca, Zazzaro, Alberto
Credit and Capital Markets – Kredit und Kapital, Vol. 49 (2016), Iss. 4 : pp. 535–561
Abstract
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One of the most evident consequences of the Great Financial Crisis has been a rapid expansion of banking regulation. We argue that the burden of the new regulatory system is asymmetric, driving small banks to the „too-small-to-survive" zone, while reinforcing the „too-big-to-fail" protection for big banks. The asymmetric effect on banking structure produces related asymmetries on firms and regional economies, in light of the fact that small firms and peripheral regions are highly dependent on bank credit and need strategic proximity of banking structures. Finally, our review of the literature on different countries and on different periods of time, including the financial crisis years, suggests the importance of a differentiated banking model when firms and regions are heterogeneous. There is no obvious optimal size of bank.
Journal Article Details
Publisher Name: Global Science Press
Language: English
DOI: https://doi.org/10.3790/ccm.49.4.535
Credit and Capital Markets – Kredit und Kapital, Vol. 49 (2016), Iss. 4 : pp. 535–561
Published online: 2016-12
AMS Subject Headings: Duncker & Humblot
Copyright: COPYRIGHT: © Global Science Press
Pages: 27
Keywords: G01 G18 G21 financial crisis regulation small banks large banks asymmetries heterogeneity
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| Section Title | Page | Action | Price |
|---|---|---|---|
| Pietro Alessandrini et al.: Banks, Regions and Development. After the Crisis and Under the New Regulatory System | 1 |