The DOI matches its Crossref record; 41 of the 41 references it cites were found in a registry or an index.
Capital ratios and bank lending: A matched bank approach
Open accessAbstract
This paper examines the impact of bank capital ratios on bank lending by comparing differences in loan growth to differences in capital ratios at sets of banks that are matched based on geographic area as well as size and various business characteristics. We argue that such comparisons are most effective at controlling for local loan demand and other environmental factors. For comparison we also control for local factors using MSA fixed effects. We find, based on data from 2001 to 2011, that the relationship between capital ratios and bank lending was significant during and shortly following the recent financial crisis but not at other times. We find that the relationship between capital ratios and loan growth is stronger for banks where loans are contracting than where loans are expanding. We also show that the elasticity of bank lending with respect to capital ratios is higher when capital ratios are relatively low, suggesting that the effect of capital ratio on bank lending is nonlinear. In addition, we present findings on the relationship between bank capital and lending by bank size and loan type.
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Cites
The Benefits of Lending Relationships: Evidence from Small Business Data
PETERSEN, M. A., & RAJAN, R. G. (1994) · The Journal of Finance · doi:10.1111/j.1540-6261.1994.tb04418.x · Cited by 5,440
Does Distance Still Matter? The Information Revolution in Small Business Lending
Petersen, M. A., & Rajan, R. G. (2002) · The Journal of Finance · doi:10.1111/1540-6261.00505 · Cited by 2,150
Berger, A. N., Miller, N. H., Petersen, M. A., Rajan, R. G., & Stein, J. C. (2005) · Journal of Financial Economics · doi:10.1016/j.jfineco.2004.06.003 · Cited by 1,888
Berger, A. N., & Bouwman, C. H. S. (2009) · Review of Financial Studies · doi:10.1093/rfs/hhn104 · Cited by 1,295
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Liquidity risk management and credit supply in the financial crisis
Cornett, M. M., McNutt, J. J., Strahan, P. E., & Tehranian, H. (2011) · Journal of Financial Economics · doi:10.1016/j.jfineco.2011.03.001 · Cited by 1,194
Collateral Damage: Effects of the Japanese Bank Crisis on Real Activity in the United States
Peek, J., & Rosengren, E. S. (2000) · American Economic Review · doi:10.1257/aer.90.1.30 · Cited by 1,186
Bank Size, Bank Capital, and the Bank Lending Channel
Kishan, R. P., & Opiela, T. P. (2000) · Journal of Money, Credit and Banking · doi:10.2307/2601095 · Cited by 1,062
Does bank capital affect lending behavior?
Gambacorta, L., & Mistrulli, P. E. (2004) · Journal of Financial Intermediation · doi:10.1016/j.jfi.2004.06.001 · Cited by 782
The Determinants of Bank Capital Structure
Gropp, R., & Heider, F. (2010) · Review of Finance · doi:10.1093/rof/rfp030 · Cited by 662
Cited by
Bank Capital Redux: Solvency, Liquidity, and Crisis
Jordà, Ò., Richter, B., Schularick, M., & Taylor, A. (2017) · doi:10.3386/w23287 · Cited by 64
Metadata
- Authors
- Carlson, M., Shan, H., & Warusawitharana, M.
- Venue
- Journal of Financial Intermediation
- Publisher
- Elsevier BV
- Published
- 2013-10
- Volume
- 22
- Issue
- 4
- Pages
- 663-687
- ISSN
- 1042-9573 (ISSN-L)
- OpenAlex
- W1997170023
- Cited by
- 272
- References
- 41
- FWCI
- 34.32
- Type
- journal article
- Language
- en
- Open access
- green
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Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
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