231,590 research outputs found

    Banking on Availability

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    Combating the growing threat to banks of distributed denial-of-service attacks will demand more than keeping pace in a technological arms race; it will also require greater information sharing among banks and other cybersecurity entities

    Do Firms Benefit from Multiple Banking Relationships?: Evidence from Small and Medium-Sized Firms in Japan

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    This paper examines empirically the effects of multiple banking relationships on the cost and availability of credit. The analysis is based on an unbalanced panel data set for Japanese small and medium-sized firms over the period 2000-2002. The Hausman-Taylor estimator is used to allow for possible correlation between unobservable heterogeneity among firms and multiple banking relationships. The results suggest that the cost of credit is positively correlated with the number of banking relationships when the endogeneity of the banking relationships is considered. Multiple banking relationships have a positive effect on the availability of credit for financially constrained firms.

    Funding growth in bank-based and market-based financial systems : evidence from firm level data

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    The authors investigate whether firms'access to external financing, to fund growth differs between market-based, and bank-based financial systems. Using firm-level data for forty countries, they compute the proportion of firms in each country that relies on external finance, and examine how that proportion differs across financial systems. They find that the development of a country's legal system predicts access to external finance, and that stock markets, and the banking system have different effects on access to external markets. The development of securities markets is related more to the availability of long-term financing, whereas the development of the banking sector is related more to the availability of short-term financing. They find no evidence, however, that firms'access to external financing is predicted by an index of the development of stock markets, relative to the development of the banking system.Economic Theory&Research,Banks&Banking Reform,Payment Systems&Infrastructure,International Terrorism&Counterterrorism,Labor Policies,Economic Theory&Research,Governance Indicators,Banks&Banking Reform,Financial Intermediation,Information Technology

    Is Texas overbanked?

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    Texans taking to the roads are almost guaranteed to come across three things: a place to eat, a place to buy gas and a place to bank. Seemingly ubiquitous in the modern Texas landscape, banks are both a source and a sign of the state's robust economy. In small towns and large cities, community banks compete for business with each other, with savings banks and credit unions and with the largest commercial banks in the world. ; Banks competing to offer the best service at the best price is essential to the health of local economies. With too little competition, monopoly characteristics can creep into banking markets, driving up costs for consumers. On the other hand, too many banks in a market may mean some institutions don't have enough business to support their overhead, making them less efficient. ; So where do Texas banks and banking markets fall on this spectrum? A good way to answer that question is to compare the availability of banking services in Texas with availability in other parts of the country. ; Bankers sometimes worry Texas is overbanked. The concept is somewhat subjective, so finding a conclusive empirical answer can be problematic. However, data show that Texas ranks among the relatively less banked states, based on several measures, although it generally has greater banking services availability than California, a similarly sized state. The same conclusion holds when Texas metropolitan areas are compared with like-sized regions in other states.Banks and banking - Texas ; Competition

    STATISTICS FOR INTERNATIONAL TRADE IN BANKING SERVICES: REQUIREMENTS, AVAILABILITY AND PROSPECTS

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    This paper addresses the availability of statistical data for international trade in banking services. Such data are required for WTO negotiations and the General Agreement on Trade in Services (GATS). Following a discussion of areas of work for which data on international trade in banking services are required and of the outcome so far of international initiatives directed at the development of statistics for international trade in services, the availability of statistics relevant to the different GATS Modes of Supply of banking services of the GATS is reviewed. None of the currently available statistics under these headings provides a satisfactory measure of trade in banking services under Modes of Delivery 1 and 3 of the GATS. Thus the paper focuses on two other more promising categories of information, namely the income statements of banks, which depend on data already generated by private-sector entities, and data on trading in financial markets. In particular, the paper shows how information in the income statements can be approximately matched to the activities specified in the definition of financial services in the Annex on Financial Services of the GATS, exemplifying the argument with recent income statements of Jordanian banks.

    Does Banking Competition Alleviate or Worsen Credit Constraints Faced by Small and Medium Enterprises? Evidence from China (Replaces CentER DP 2011-006)

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    Abstract: Banking competition may enhance or hinder the financing of small and medium enterprises. Using a survey on the financing of such enterprises in China, combined with detailed bank branch information, we investigate how concentration in local banking market affects the availability of credit. We find that lower market concentration alleviates financing constraints. The widespread presence of joint-stock banks has a larger effect on alleviating these constraints, than the presence of city commercial banks, while the presence of state-owned banks has a smaller effect. (83 words)Banking Competition;SMEs Financing;Credit Constraints

    Multiple safety net regulators and agency problems in the European Union: Is prompt corrective action partly the solution?

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    This paper discusses the institutional changes needed in Europe if prompt corrective action (PCA) is to be effective in supervising and resolving cross-border banking groups. The paper identifies these changes starting with enhancements in the availability of information on banking groups’ financial condition to prudential supervisors. Next, the paper considers the collective decision making by prudential supervisors with authority to make discretionary decisions within the PCA framework as soon as a bank in a cross-border banking group falls below the minimum capital standard. Finally, the paper analyzes the coordination measures that should be implemented if PCA requires the bank to be resolved.

    The effect of bank structure and profitability on firm openings

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    An examination of the effects of price and availability of credit from commercial lending organizations on the start-up rates of new businesses within specific markets, finding that profitable and competitive banking markets are associated with higher rates of firm births.Banking structure ; Industrial location

    U.S. consumers and electronic banking, 1995-2003

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    The availability and variety of electronic banking technologies in the marketplace has greatly expanded in recent years. For financial institutions, e-banking technologies can speed processing, reduce costs, and help attract and retain customers. For consumers, they can save time and money and may be more convenient than more traditional ways of banking. This article draws on data from two nationwide surveys to look at consumer use of such products and services as debit cards, pre-authorized debits, and computer banking, particularly as use relates to consumer demographic characteristics and consumer perceptions. ; The data show a consistent increase in the proportion of consumers using a variety of e-banking technologies. Consumer attitudes toward e-banking generally have become more positive over time, with more consumers seeing e-banking as convenient, familiar, easy to use, and secure. The use of some technologies, particularly debit cards, has become more democratized over time, but it is still the case that most e-banking technologies tend to be used by higher income, higher asset, younger, and better educated households. ; E-banking technologies hold the promise of helping families manage their money, pay their bills on time, and avoid overextending themselves with credit. To take full advantage of them, however, consumers need to become aware of the evolving array of e-banking technologies available to them and understand how different technologies fit with their financial management needs. Financial planners and consumer educators, working with both families and financial institutions, can help the promise become a reality.Electronic funds transfers ; Internet banking

    PENGARUH KETERSEDIAAN FITUR DAN PERSEPSI RISIKO TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING PADA BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU ULEE KARENG

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    The existence of Mobile Banking has a positive impact on the user because it drives transactions easier. This study aimed to specify the effect of feature availability and risk perception on customers' wishes to use Mobile Banking at BSI KCP Ulee Kareng. This study utilizes a quantitative research method with a purposive sampling technique in the form of distributing 65 questionnaires to the BSI KCP Ulee Kareng customers and utilizing multiple linear regression analysis techniques. The results show that the availability of features partially has an effect, while the other, risk perception, does not affect customers' wishes. However, the availability of features and risk perceptions simultaneously affect customers' wishes to use Mobile Banking. Keywords: Feature Availability, Risk Perception, and Customer Interest in Using Mobile Bankin
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