The Oxford Handbook of Banking 3rd edition by Allen Berger, Philip Molyneux, John Wilson – Ebook PDF Instant Download/Delivery: 0198824637 , 978-0198824633
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ISBN 10: 0198824637
ISBN 13: 978-0198824633
Author: Allen Berger, Philip Molyneux, John Wilson
The Oxford Handbook of Banking, Third Edition provides an overview and analysis of developments and research in this rapidly evolving field. Aimed at graduate students of economics, banking, and finance; academics; practitioners; regulators; and policy makers, it strikes a balance between abstract theory, empirical analysis, and practitioner and policy-related material.
Split into five distinct parts The Oxford Handbook of Banking is a one-stop source of relevant research in banking. It examines the theory of banking, bank operations and performance, regulatory and policy perspectives, macroeconomic perspectives in banking, and international differences in banking structures and environments. Taking a global perspective it examines banking systems in the United States, China, Japan, Australia and New Zealand, Africa, the European Union, transition countries of Europe, and Latin America. Thematic issues covered include financial innovation and technological change; consumer and mortgage lending; Islamic banking; and how banks influence real economic activity.
Fully revised and now including brand new chapters on a range of geographical regions, bank bailouts and bail-ins, and behavioral economics amongst many other topics, this third edition of The Oxford Handbook of Banking provides readers with insights to seminal and contemporary research in banking and an opportunity to learn about the diversity of financial systems around the world.
The Oxford Handbook of Banking 3rd Table of contents:
1. Banking: A Decade on from the Global Financial Crisis
1.1 Introduction
1.2 Banking: A Decade After The Financial Crisis
1.3 Emerging Research Themes
1.4 Book Structure and Chapter Summaries
Part I: The Theory of Banking
2. The Roles of Banks in Financial Systems
2.1 Introduction
2.2 Delegated Monitoring and Banks
2.3 The Risk-Sharing Role of Banks
2.4 Banking Crises
2.5 Banks and Growth
2.6 The Corporate Governance Role of Banks
2.7 Relationship Banking
2.8 Concluding Remarks
3. Commercial Banking and Shadow Banking: The Accelerating Integration of Banks and Markets and its Implications for Regulation
3.1 Introduction
3.2 Understanding Banks as Information-Processing Intermediaries
3.3 Bank Lending, Securitization, and Capital Market Funding
3.4 Banks, Equity, and Private Equity Firms
3.5 Role of Credit Rating Agencies
3.6 Regulation and the Second Raison D’être for Banks: Liquidity Creation
3.7 Conclusions
4. Corporate Complexity and Systemic Risk: A Progress Report
4.1 Introduction
4.2 Why the Complex, Opaque, International Corporate Structure of G-Sibs Jeopardizes Systemic Stability
4.3 Corporate Complexity of G-Sibs: An Update 10 Years After the Crisis
4.4 What Drives the Corporate Complexity of G-Sibs?
4.5 Policies to Enhance the Resolvability of G-Sibs
4.6 Conclusions
5. Corporate Governance and Culture in Banking
5.1 Introduction
5.2 Why Banks are Different and the Implications for Bank Governance
5.3 Compensation in Banking
5.4 The Board of Directors and Shareholder-Oriented Governance
5.5 Board Diversity: Does it Matter who Runs Banks?
5.6 Culture in Banks
5.7 Policy Implications and Conclusions
6. Private Information and Risk Management in Banking
6.1 Introduction
6.2 Risk Measurement
6.3 Risk Management
6.4 Private Information Within Large Complex Banking Organizations
6.5 Why Do We Care About Risk In The Banking Sector?
7. Creation and Regulation of Bank Liquidity
7.1 Introduction
7.2 Banks as Liquidity Creators
7.3 From Originate-To-Hold (OTH) to a Mix of OTH and Originate-To-Distribute (OTD) and the Emergence of the Shadow-Banking System
7.4 Regulation to Preserve Uninterrupted Liquidity Creation Going Forward
7.5 Conclusion
II Activities and Performance
8. The Performance of Financial Institutions: Modeling, Evidence, and some Policy Implications
8.1 Introduction
8.2 Banking Technology and Performance
8.3 Applications of the Structural Approach
8.4 Applications of the Non-Structural Approach
8.5 Conclusions and Policy Implications
Acknowledgments
9. Technological Change and Financial Innovation in Banking: Some Implications for FinTech
9.1 Introduction
9.2 Financial Innovation: Definition and Determinants
9.3 Process Innovation
9.4 Product Innovation
9.5 Organizational Innovation
9.6 Conclusions
10. Payments
10.1 Payments Overview
10.2 Retail Payments
10.3 Wholesale Payments
10.4 End Note
Acknowledgments
11. Community Banking Institutions: Commercial Banks, Savings Banks, Cooperative Banks, and Credit Unions
11.1 Introduction
11.2 Institutional Overview
11.3 Local Specialization and Comparative Advantages of Community Banks
11.4 Transformation in Market Structure across Community Banking Institution Types
11.5 Bank Accessibility and Social Implications
11.6 Current Challenges
12. Islamic Banking: A Review of the Empirical Literature and Future Research Directions
12.1 Introduction
12.2 Growth of Islamic Banking around the World
12.3 Characteristics of Islamic Banking
12.4 Review of the Literature Comparing Islamic and Conventional Banks: Micro-Level Evidence
12.5 Review of the Literature Comparing Islamic and Conventional Banks: Macro-Level Evidence
12.6 Conclusion and Directions for Future Research
13. Can We Improve the Impact of Microfinance? A Survey of the Recent Literature and Potential Avenues for Success
13.1 Introduction
13.2 Group Lending With and Without Joint Liability
13.3 The Shift to Individual Lending and the Commercialization of Microfinance
13.4 Is Microfinance a Success?
13.5 The Design of Microcredit Contracts
13.6 Microfinance-Plus: The Need to Enhance Technical Skills of Microcredit Borrowers
13.7 Should We Subsidize Microfinance?
14. Small Business Lending: The Roles of Technology and Regulation from Pre-crisis to Crisis to Recovery
14.1 Introduction
14.2 Lending Technologies
14.3 The “Hardening” of Small Business Lending Information Over Time
14.4 Empirical Research on the Bank Consolidation Channel
14.5 Empirical Research on the Bank Competition Channel
14.6 The Global Financial Crisis and Recovery
14.7 Conclusion
Acknowledgments
15. Residential Mortgages
15.1 Introduction
15.2 Residential Mortgage Features
15.3 Household Decision-Making
15.4 Residential Mortgages as a Financial Asset
15.5 Regulation of Mortgages
15.6 Financial Stability and Residential Mortgages
15.7 Conclusion
16. Securitization
16.1 Introduction
16.2 The Evolution of Securitization
16.3 Mechanics of Securitization
16.4 Benefits and Risks of Securitization
16.5 Concluding Remarks: Regulatory Reforms and the Future of Securitization
17. Shadow Banking
17.1 What is Shadow Banking?
17.2 How Does One Define and Measure Shadow Banking?
17.3 Why Does Shadow Banking Exist?
17.4 How does Shadow Banking differ from Market-Based Finance?
17.5 Why Should We Care About Shadow Banking?
17.6 How can Supervision and Regulation be Strengthened?
17.7 Case Studies of Policy Challenges on the Horizon
17.8 Conclusion
Part III: Regulatory and Policy Perspectives
18. Modern Central Banking
18.1 Introduction
18.2 The Science of Central Banking
18.3 Governance of Central Banks
18.4 Monetary Policy
18.5 Financial Stability Policy
18.6 Concluding Remarks
19. Lender of Last Resort: A New Role for the Old Instrument
19.1 Introduction
19.2 Pure Liquidity Shocks
19.3 Distinguishing Between Insolvent and Illiquid Banks
19.4 Systemic Crises and Contagion
19.5 LOLR Policy
19.6 Conclusions
20. Bank Bailouts and Bail-Ins
20.1 Introduction
20.2 Bailouts
20.3 Bail-Ins
20.4 Other Approaches: Failure and Bankruptcy
20.5 Conclusions
Acknowledgments
21. Bank Runs and Moral Hazard: A Review of Deposit Insurance
21.1 Introduction
21.2 Economic Rationale for Deposit Insurance
21.3 Brief History of Adoption and Recent Changes
21.4 Economic Benefits of Deposit Insurance
21.5 Economic Costs of Deposit Insurance
21.6 Deposit Insurance Design and the Institutional Environment
21.7 Concluding Thoughts
22. Bank Capital Requirements after the Financial Crisis
22.1 Introduction
22.2 Literature Review
22.3 Recalibrating the Existing Framework
22.4 Major Structural Changes to the Framework
22.5 Quantitative Impact
22.6 Conclusion
23. Market Discipline in Regulation: Pre and Post Crisis
23.1 Introduction
23.2 What is Market Discipline?
23.3 Evidence
23.4 The Effects of Recent Reforms on Market Discipline
23.5 The Evolution of Pillar 3
23.6 Conclusions
No Single Representative Investor
Pooling of Securities
Financial Intermediaries
Econometric Impediments to Indirect Market Discipline
What is in a Credit Spread?
Biases in Forecasting Discrete Outcomes
Summary
24. Competition in the Banking Sector
24.1 Introduction
24.2 Measuring Banking Competition and Market Power
24.3 Competition: Conduct and Strategy
24.4 Banking Regulation and Competition
24.5 Information Sharing and Competition
24.6 Conclusion
Acknowledgments
25. Behavioral Economics, Financial Literacy, and Consumers’ Financial Decisions
25.1 Introduction
25.2 Psychology and Economic Behavior
25.3 Rationality of Credit Card Use
25.4 Financial Literacy
25.5 Limited Information and Heuristic Decision-Making in Market Environments
25.6 Conclusions
Part IV: Macroeconomic Perspectives
26. Systemic Risk in Banking after the Great Financial Crisis
26.1 Introduction
26.2 The Concept of Systemic Risk
26.3 Theoretical Models of Systemic Risk in Banking
26.4 Empirical Evidence on Systemic Risk in Banking
26.5 Conclusion
27. Hardy Perennials: Banking Crises Around the World
27.1 Introduction
27.2 Early History
27.3 Diverse Origins: Management, Government, and Macroeconomics in Recent Crises
27.4 Panic and Contagion: Explaining Sudden and Fast-Moving Banking Crises
27.5 Costs of Crises
27.6 Crisis Response and Prevention
27.7 The Crisis of 2007 and the Euro Crisis: Some Things Old and New
27.8 Toward Dynamic Regulation
Acknowledgments
28. Bank Failures, The Great Depression, and Other “Contagious” Events
28.1 Introduction
28.2 “Contagion” versus Fundamentals as Causes of Bank Failures
28.3 US Bank Distress During the Great Depression
28.4 Microeconomic Studies of Local Contagion
28.5 US Bank Distress in the Pre-Depression Era
28.6 Other Historical Experiences with Bank Failures
28.7 Bank Failures in the Late Twentieth Century
28.8 Conclusion
29. Banking Globalization: Cross-border Entry, Complexity, and Systemic Risk
29.1 Introduction
29.2 Stylized Facts on Cross-Border Entry and Complexity
29.3 Determinants of Cross-Border Bank Entry Through Acquisitions
29.4 Effects of Cross-Border Entry on Efficiency and Competition
29.5 Effects of Cross-Border Entry on Risk
29.6 Summary and Outlook for Future Work
Acknowledgments
30. Banking and Real Economic Activity: Foregone Conclusions and Open Challenges
30.1 Introduction
30.2 The Causality Debate
30.3 Banks Matter
30.4 How Do Banks Matter?
30.5 The Role of Bank Competition
30.6 Banks and Industry Dynamics in Product Markets
30.7 Unintended Consequences of the Great Recession
30.8 Conclusions
Part V: Banking Systems Around the World
31. Banking in the United States
31.1 Introduction
31.2 The Evolution of the US Banking Industry
31.3 Two Strategic Groups
31.4 Industry Consolidation Continues
31.5 The Future of Banking in the US
31.6 In Summary
32. Banking in Europe: Integration, Reform, and the Road to a Banking Union
32.1 Introduction
32.2 Structure and Performance of European Banking
32.3 Crisis in European Banking
32.4 New Regulatory Architecture and Banking Union
32.5 Summary
33. Banking in Japan: A Post-global Financial Crisis Perspective
33.1 Introduction
33.2 Overview of the Japanese Banking System
33.3 Selected Topics in Japanese Banking
33.4 Conclusion
Acknowledgments
34. Banking in Africa
34.1 Introduction
34.2 Stock-Taking: Where Does Africa Stand?
34.3 Overcoming Barriers to Financial Inclusion: Branch Expansion, Field Experiments, and Technology
34.4 Beyond Financial Inclusion: New Challenges
34.5 Conclusion
35. Banking in China
35.1 Introduction
35.2 The Structure and Performance of the Chinese Financial Sector
35.3 Shadow Banking: Causes and Consequences of its Spectacular Growth
35.4 Financial Inclusion in China
35.5 Conclusions
Acknowledgments
36. Banking in the Transition Countries of Central, Southern, and Eastern Europe and the Former Soviet Union
36.1 Introduction
36.2 History of Transition Banking
36.3 Banking Industry Today: Is Transition Over?
36.4 Financial Inclusion in Transition Countries
36.5 Conclusion
37. Banking in Latin America: Developments and Prospects
37.1 Introduction
37.2 Banking Consolidation in Latin America: A Quick Overview
37.3 The Evolution of Financial Policy in Latin America
37.4 Financial Penetration in Latin America
37.5 The Effects of Banking Consolidation
37.6 Regulatory Developments Post GFC
37.7 Latin American Development Banks: Some New Developments or an Impasse?
37.8 Conclusion
38. Banking in Australia and New Zealand—Geographic Proximity, Market Concentration, and Banking Integration
38.1 Introduction
38.2 Size and Significance of the Australian and NZ Banking Industries
38.3 Market Competition
38.4 Balance Sheets—Sources of Funding
38.5 Balance Sheets—Uses of Funding
38.6 Efficiency and Profitability
38.7 Explicit and Implicit Government Support for Banks
38.8 Resilience of the Australian and New Zealand Banking Systems
38.9 Conclusions
Index
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