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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/106206

    Title: Shadow-banking entrusted loan management, deposit insurance premium, and capital regulation
    Authors: Li, Xue-lian;Lin, Jyh-Horng
    Keywords: Shadow banking;Entrusted loans;Bank interest margin;Capital regulation
    Date: 2015-12-24
    Issue Date: 2016-04-22 13:41:46 (UTC+8)
    Publisher: Elsevier BV
    Abstract: This paper studies bank interest margin, i.e., the spread between the loan rate and the deposit rate of a bank, when the bank conducts regular lending and shadow-banking entrusted lending activities under capital regulation. We show that an increase in the entrusted loans increases the bank's interest margin, equity risk, and the liability of deposit insurer. Entrusted loans can help spur bank equity return, but there is a trade-off in terms of reduced banking stability. We also find that the reduced margin and the increased equity risk by capital regulation are reinforced when the bank additionally conducts entrusted lending activities. Relaxing regulatory capital requirements may produce superior return performance and greater safety for the bank carrying on shadow-banking entrusted loans.
    Relation: International Review of Economics and Finance 41, pp.98-109
    DOI: 10.1016/j.iref.2015.09.003
    Appears in Collections:[國際企業學系暨研究所] 期刊論文

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