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Changes in Prudential Policy Instruments — A New Cross-Country Database
This paper documents the features of a new database that focuses on changes in the intensity in the usage of several widely used prudential tools, taking into account both macro-prudential and micro-prudential objectives. The database coverage is broad, spanning 64 countries, and with quarterly data for the period 2000Q1 through 2014Q4. The five types of prudential instruments in the database are: capital buffers, interbank exposure limits, concentration limits, loan to value (LTV) ratio limits, and reserve requirements. A total of nine prudential tools are constructed since some useful further decompositions are presented, with capital buffers divided into four subindices: general capital r...
International Evidence on Government Support and Risk Taking in the Banking Sector
Government support to banks through the provision of explicit or implicit guarantees affects the willingness of banks to take on risk by reducing market discipline or by increasing charter value. We use an international sample of bank data and government support to banks for the periods 2003-2004 and 2009-2010. We find that more government support is associated with more risk taking by banks, especially during the financial crisis (2009-10). We also find that restricting banks' range of activities ameliorates the moral hazard problem. We conclude that strengthening market discipline in the banking sector is needed to address this moral hazard problem.
The Brazilian Way of Doing Public Administration
The Brazilian Way of Doing Public Administration is an accessible collaboration between scholars and practitioners rich with findings applicable worldwide, exploring Brazil’s government’s functioning at various points in recent history.
Cross-border Bank Acquisitions
This paper uses a unique database that includes deal and bank balance sheet information for 220 cross-border acquisitions between 1994 and 2003 to analyze the characteristics and performance effects of international takeovers on target banks. A discrete choice estimation shows that banks are more likely to get acquired in a cross-border deal if they are large, bad performers, in a small country, and when the banking sector is concentrated. Post-acquisition performance for target banks does not improve in the first two years relative to domestically-owned financial institutions. This result is explained by a decrease in the banks' net interest margin in developed countries and an increase in overhead costs in emerging economies.
Bank Integration and Financial Constraints
This paper uses data on publicly-traded firms in the U.S. to analyze the effect of interstate bank integration on the financial constraints borrowers face. A firm-level investment equation is estimated in order to test if bank integration reduces the sensitivity of capital expenditures to the level of internal funds. The staggered deregulation of cross-state bank acquisitions that took place in the U.S. between 1978 and 1994 helps estimate the model. Integration decreases financing constraints for bank-dependent firms. The change in firms' access to external finance is explained by an increase in the share of locally headquartered geographically diversified banks.
Endocrinology of Aging
Endocrinology of Aging: Clinical Aspects in Diagrams and Images presents chapters in a way that allows the reader to incorporate concepts and complex facts in a visual way. As the global population becomes older, the need for a deeper understanding of geriatric pathology increases, and with it, there becomes a greater need to access educational resources on the endocrinology and metabolism of aging. According to the United Nations, the number of people aged 60 years or over in the world is projected to be 1.4 billion in 2030 and 2.1 billion in 2050, hence this is a timely resource. Divided according to specific endocrine and metabolic systems, providing evidence-based content Addresses physiological changes that alter the pathophysiology of the clinical picture Considers the patient transitioning from young adult to elderly, discussing endocrinological challenges to discern physiology from pathology Focuses on age as an essential factor for diagnostic and endocrine management
Os Franceses
Terra de pães, queijos e vinhos maravilhosos, mas também de paradoxos, a França convive com imagens contraditórias a seu respeito. é verdade que os franceses fizeram a revolução da "liberdade, igualdade e fraternidade" - base da democracia moderna; sua História, contudo, registra discriminação contra diversas minorias. A excelência dos seus perfumes parece se contrapor à idéia de que o banho não passa de um mal esporadicamente necessário. Paris é a cidade mais visitada do mundo, mas seus habitantes parecem detestar turistas. O culto à comida é quase uma idolatria nacional, a manteiga é usada por toneladas, mas os franceses não engordam, nem têm altas taxas de colesterol....
