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Erscheinungsjahr: 
2018
Schriftenreihe/Nr.: 
Bundesbank Discussion Paper No. 18/2018
Verlag: 
Deutsche Bundesbank, Frankfurt a. M.
Zusammenfassung: 
We investigate how banks' capital and lending decisions respond to changes in bankspecific capital and disclosure requirements. We find that an increase in the bankspecific regulatory capital requirement results in a higher bank capital ratio, brought about via less asset risk. A decrease in the requirement implies more lending to firms but also less Tier 1 capital and higher bank leverage. We do not observe differences between confidential and public disclosure of capital requirements. Our results empirically illustrate a tradeoff between bank resilience and a fostering of the economy through more bank lending using banks' capital requirement as policy instrument.
Schlagwörter: 
capital requirement
bank lending
bank capital structure
capital disclosure rules
JEL: 
G21
G28
ISBN: 
978-3-95729-463-0
Dokumentart: 
Working Paper
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