Bank Regulations Are Changing : For Better or Worse?

This paper presents new and official survey information on bank regulations in 142 countries and makes comparisons with two earlier surveys. The data do not suggest that countries have primarily reformed their bank regulations for the better over t...

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Bibliographic Details
Main Authors:	Barth, James R., Caprio, Gerard, Jr., Levine, Ross
Format:	Policy Research Working Paper
Language:	English
Published:	World Bank, Washington, DC 2012
Subjects:	ACCESS TO FINANCIAL SERVICES ADVERSE EFFECTS ALLOCATION OF CAPITAL AMOUNT OF CAPITAL AUDITING BALANCE SHEET BANK ACTIVITIES BANK ACTIVITY BANK BORROWERS BANK CREDIT BANK CREDITORS BANK ENTRY BANK EQUITY BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANK REGULATION BANK REGULATIONS BANK RISK BANK SUPERVISION BANK SUPERVISORS BANK VALUATION BANKING CRISES BANKING CRISIS BANKING REGULATION BANKING SECTOR BANKING SYSTEM BANKING SYSTEM DEVELOPMENT BANKING SYSTEMS BANKS BARRIER BRIBE BUSINESS ENVIRONMENT CAPITAL ACCORD CAPITAL ACCOUNT CAPITAL ACCOUNT LIBERALIZATION CAPITAL ACCOUNT TRANSACTIONS CAPITAL REGULATION CAPITAL REQUIREMENTS CAPITALIZATION CD COMMERCIAL BANK COMMERCIAL BANKING CORPORATE GOVERNANCE CORRUPTION CREDIT ALLOCATION CREDIT MARKETS CREDITORS CREDITWORTHINESS CRISIS COUNTRIES CROATIAN NATIONAL BANK DEPOSIT DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEVELOPING COUNTRIES DEVELOPING COUNTRY DISCLOSURE REQUIREMENTS DIVERSIFICATION DIVIDENDS DOMESTIC BANK DUMMY VARIABLE EARNING ASSETS ECONOMIC GROWTH EMERGING MARKET EMERGING MARKET ECONOMIES EMPOWERMENT ENDOWMENTS ENTRY REQUIREMENTS EXPORTER EXTERNAL AUDITORS FEE INCOME FINANCIAL CONGLOMERATES FINANCIAL ECONOMISTS FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL POLICY FINANCIAL SECTOR FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL SYSTEMS FIRM GROWTH FLOW OF CREDIT FOREIGN BANKS FOREIGN CAPITAL FOREIGN ENTRY FOREIGN FIRM FRAUD GOVERNMENT POLICY GOVERNMENT SECURITIES INCOME FLOWS INCOME STREAMS INEQUALITY INFLATION INFLATION RATE INSTITUTIONAL ENVIRONMENT INSURANCE INTEREST INCOME INTEREST RATE INTEREST RATE SPREADS INTERNATIONAL BANK INTERNATIONAL ECONOMICS INTERNATIONAL RATING AGENCIES INVESTING INVESTMENT BANKING LAWS LEGAL SYSTEMS LIQUIDITY LOAN MACROECONOMIC INSTABILITY MARKET FAILURES MARKET PARTICIPANTS MARKET SHARE MARKET STRUCTURE MONETARY FUND MORAL HAZARD NET INTEREST MARGIN NON-PERFORMING LOAN OVERHEAD COSTS OWNERSHIP RIGHTS PARTICULAR COUNTRIES PARTICULAR COUNTRY POSITIVE COEFFICIENT PRIVATE INVESTORS PROBABILITY RATING AGENCIES REAL ESTATE REGULATOR REGULATORY AGENCY REGULATORY CAPITAL REGULATORY ENVIRONMENT REGULATORY FRAMEWORK REGULATORY IMPEDIMENTS REGULATORY POLICIES REGULATORY REQUIREMENTS REGULATORY RESTRICTIONS REGULATORY SYSTEM RESEARCH ASSISTANCE RESUME RETURN RISK MANAGEMENT RISK TAKING SALES SAVINGS SECURITIES SECURITIES MARKET SECURITIES MARKETS SENIOR SHAREHOLDER SHAREHOLDER RIGHTS SHAREHOLDERS SOCIAL WELFARE SOURCE OF FUNDS SOURCES OF FUNDS SUBORDINATED DEBT SUPERVISORY AGENCIES SUPERVISORY AGENCY SUPERVISORY AUTHORITY SUPERVISORY POWER SUPERVISORY POWERS TRINIDAD AND TOBAGO VALUABLE VALUATION
Online Access:	http://documents.worldbank.org/curated/en/2008/06/9554404/bank-regulations-changing-better-or-worse http://hdl.handle.net/10986/6664

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Summary:	This paper presents new and official survey information on bank regulations in 142 countries and makes comparisons with two earlier surveys. The data do not suggest that countries have primarily reformed their bank regulations for the better over the last decade. Following Basel guidelines many countries strengthened capital regulations and official supervisory agencies, but existing evidence suggests that these reforms will not improve bank stability or efficiency. While some countries have empowered private monitoring of banks, consistent with the third pillar of Basel II, there are many exceptions and reversals along this dimension.

Bank Regulations Are Changing : For Better or Worse?

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