Recent trends in deposit and loan growth: implications for small and large banks

Bank deposits ; Bank loans

Japan's corporate groups

Japan ; Corporations

Japanese banks and market discipline

Banks and banking - Japan ; Japan ; Banking market

Federal Reserve policies and financial market conditions during the crisis

During the recent financial crisis, the Federal Reserve implemented a series of extraordinary and unconventional policies to alleviate the impact of the crisis on financial markets and the economy. In this paper, we examine the effects of these policies on broad financial market conditions, explicitly taking into account that policy was endogenously determined in response to prevailing financial market and economic conditions. We find that the Fed was more likely to initiate or expand new programs when financial market conditions were tighter than usual and economic conditions deteriorating. We also find that the Fed’s policies improved broad financial market conditions significantly at announcement and that the improvements were associated primarily with program initiations and expansions.Federal Reserve Act ; Financial crises - United States

Labor market fluctuations in Japan and the U.S.--how similar are they?

This article examines the sources of fluctuations in Japanese and U.S. labor markets. Despite the differences in the structures of the two labor markets, the authors find that unemployment and vacancies respond similarly to aggregate shocks. However, different shocks appear to be important in explaining fluctuations in the two labor markets.Labor market ; Unemployment

Rising interest rates, bank loans, and deposits

The authors show how the relationships between interest rate changes, deposit growth rates, and loan growth rates have changed in the last ten years, discuss some possible reasons, and assess the likely impact of rising interest rates on loans and deposits going forward.Bank loans ; Bank deposits ; Interest rates

Funding small businesses through the SBIC program

Small business

Why aren't banks lending more? the role of commercial real estate

Since August 2007, the U.S. and global financial markets have endured the worst crisis since the Great Depression, accompanied by a deep economic recession. At the height of the crisis, whole segments of financial markets froze and market participants hesitated to engage in transactions with even the most creditworthy counterparties.Bank loans ; Commercial loans ; Mortgage loans

Banking relationships during financial distress: the evidence from Japan

This article examines some implications of the failure of three large Japanese banks in 1997 and 1998. The authors examine the response in the equity returns of surviving Japanese banks to the three failure announcements. In addition, they provide evidence on the clients of failed and surviving banks.Bank failures ; Banks and banking - Japan

Issues in funding the activities of small firms through SBICs

Bank investments ; Small business