Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/316423 
Erscheinungsjahr: 
2025
Schriftenreihe/Nr.: 
Bank of Finland Research Discussion Papers No. 4/2025
Verlag: 
Bank of Finland, Helsinki
Zusammenfassung: 
We study the effects of bank transparency on both banks' asset and liquidity risks, and ultimately, on banking sector stability and welfare. We show how enhanced bank transparency increases banks' vulnerability to excessive deposit outflows, but this threat of a liquidity crisis incentivizes banks to choose safer assets. We find that bank stability and welfare are a nonmonotonic function of transparency, and that they are maximized at an intermediate level of transparency, which is larger than the one preferred by banks but lower than what would result in excessive deposit outflows. Our model also suggests that bank transparency and deposit insurance are complementary policy tools, and that bank regulators should adjust disclosure requirements for banks procyclically
Schlagwörter: 
bank transparency
bank runs
asset risk taking
banking stability
deposit insurance
JEL: 
G21
G28
D83
Persistent Identifier der Erstveröffentlichung: 
Dokumentart: 
Working Paper

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