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The impact of bank regulations, supervision, market structure and bank characteristics on individual bank ratings: a cross-country analysis

Zopounidis Konstantinos, Pasiouras Fotios, Gaganis, Chrysovalantis

Απλή Εγγραφή


URIhttp://purl.tuc.gr/dl/dias/92F2DF00-208B-4BA9-8B6E-83801EE6D421-
Αναγνωριστικόhttps://doi.org/10.1007/s11156-006-0045-0-
Αναγνωριστικόhttps://link.springer.com/article/10.1007/s11156-006-0045-0-
Γλώσσαen-
Μέγεθος36 pagesen
ΤίτλοςThe impact of bank regulations, supervision, market structure and bank characteristics on individual bank ratings: a cross-country analysisen
ΔημιουργόςZopounidis Konstantinosen
ΔημιουργόςΖοπουνιδης Κωνσταντινοςel
ΔημιουργόςPasiouras Fotiosen
ΔημιουργόςΠασιουρας Φωτιοςel
ΔημιουργόςGaganis, Chrysovalantisen
ΕκδότηςSpringer Verlagen
ΠερίληψηWe use country level data and bank level data from 71 countries and 857 banks to investigate the impact of bank regulations, supervision, market structure, and bank characteristics on individual bank ratings. The results indicate that less cost efficient banks, with higher than average levels of provisions relatively to their income, and lower liquidity tend to have lower ratings. Larger and more profitable banks tend to obtain higher ratings. Higher equity to assets ratio results in higher ratings only when we do not control for bank supervision and regulations. Capital requirements, restrictions on bank activities, official disciplinary power, explicit deposit insurance scheme, higher deposit insurer power, liquidity and diversification guidelines, entry requirements, fraction of entries denied, and economic freedom have a significant impact on ratings in all of our specifications. Disclosure requirements and foreign banks entry have a significant impact on ratings only when we simultaneously control for the regulatory environment and the market structure, while auditing requirements have a significant impact only when we control for the regulatory environment alone. Finally, banks in developed countries are assigned higher ratings. However, this impact disappears when we include the regulatory and supervision variables in the models en
ΤύποςPeer-Reviewed Journal Publicationen
ΤύποςΔημοσίευση σε Περιοδικό με Κριτέςel
Άδεια Χρήσηςhttp://creativecommons.org/licenses/by/4.0/en
Ημερομηνία2015-10-28-
Ημερομηνία Δημοσίευσης2006-
Θεματική ΚατηγορίαCapability, Financial (Financial literacy)en
Θεματική ΚατηγορίαFinancial capability (Financial literacy)en
Θεματική ΚατηγορίαLiteracy, Financialen
Θεματική Κατηγορίαfinancial literacyen
Θεματική Κατηγορίαcapability financial financial literacyen
Θεματική Κατηγορίαfinancial capability financial literacyen
Θεματική Κατηγορίαliteracy financialen
Βιβλιογραφική ΑναφοράF. Pasiouras, Ch. Gaganis and C. Zopounidis," The impact of bank regulations, supervision, market structure and bank characteristics on individual bank ratings: a cross-country analysis," Review of Quant. Finance and Acc., vol. 27, no. 4,pp. 403-438, Dec. 2006.doi:10.1007/s11156-006-0045-0en

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