Bank Regulations Are Changing : For Better or Worse?

Barth, James R. ; Caprio, Gerard, Jr. ; Levine, Ross

World Bank, Washington, DC

关键词: ACCESS TO FINANCIAL SERVICES;    ADVERSE EFFECTS;    ALLOCATION OF CAPITAL;    AMOUNT OF CAPITAL;    AUDITING;   

DOI  :  10.1596/1813-9450-4646
RP-ID  :  WPS4646

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

This paper presents new and officialsurvey information on bank regulations in 142 countries andmakes comparisons with two earlier surveys. The data do notsuggest that countries have primarily reformed their bankregulations for the better over the last decade. FollowingBasel guidelines many countries strengthened capitalregulations and official supervisory agencies, but existingevidence suggests that these reforms will not improve bankstability or efficiency. While some countries have empoweredprivate monitoring of banks, consistent with the thirdpillar of Basel II, there are many exceptions and reversalsalong this dimension.