Creating efficient banking systems: theory and evidence from Eastern Europe
Saved in:
| Main Author: | |
|---|---|
| Format: | Book |
| Language: | German |
| Published: |
Tübingen
Mohr
1996
|
| Series: | Kieler Studien
277 |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | XV, 303 S. graph. Darst. |
| ISBN: | 3161466624 |
Staff View
MARC
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| 245 | 1 | 0 | |a Creating efficient banking systems |b theory and evidence from Eastern Europe |c Claudia M. Buch |
| 264 | 1 | |a Tübingen |b Mohr |c 1996 | |
| 300 | |a XV, 303 S. |b graph. Darst. | ||
| 336 | |b txt |2 rdacontent | ||
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| 650 | 4 | |a Bank | |
| 650 | 4 | |a Banks and banking -- Europe, Eastern | |
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Record in the Search Index
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| adam_text | Contents
A. The Problem 1
B. Financial Markets in Transition 7
I. The Socialist Financial System 7
II. Financial Sector Reforms 13
1. Overall Reform Sequence 13
2. Institutional Reforms of the Banking Systems 19
a. Two Tier Banking Systems 19
b. Banking Regulations and Supervision 21
c. Deposit Insurance Reform 24
d. Bank Privatization 25
3. Nonperforming Loans and Bank Recapitalization 26
a. Size of the Problem 26
b. Bank Recapitalization 30
4. Monetary Policy 37
III. Reform Objectives 42
C. Macroeconomic Aspects of Financial Liberalization 45
I. Savings, Investment, and Financial Intermediation 45
1. The Neo Classical View 46
2. The Neo Structuralist Critique 50
3. The Role of Financial Intermediation 51
II. Stabilization, Consolidation, and Liberalization 53
1. Monetary Stabilization 54
a. Institutional Framework 54
b. Adjustments of Money Demand 56
c. Controllability of Money Supply 57
d. Choice of Instruments 61
2. Fiscal Consolidation 67
3. External Financial Liberalization 69
4. Assessment of the Reform Process 70
VI
D. Empirical Results of Financial Liberalization in Eastern
Europe 72
I. Savings, Investment, and Financial Intermediation 73
1. Savings and Investment 73
2. Household Financial Savings 77
3. Financial Intermediation Ratios 81
II. Monetary Stabilization 85
1. Velocity and the Money Multiplier 85
2. Sources and Uses of Money Growth 89
3. Interest Rates 96
a. Interest Rates of the Central Banks 96
b. Interest Rates of Commercial Banks 100
HI. Fiscal Consolidation 103
IV. Summary of the Results 106
E. Microeconomic Aspects of the Role of Banks in Economic
Transformation 110
I. Portfolio Selection, Interest Rates, and Bank Profitability 110
1. The Model Ill
2. Comparative Statics 119
a. The Stock of Nonperforming Loans 119
b. The Flow of Nonperforming Loans 120
c. Cost Increases 122
3. Market Entry 123
a. Competition and Interest Rate Spreads 124
b. Cost Differences 126
4. Distress Lending 129
5. Banking Crisis versus Banking Distress 132
II. Solutions to the Problem of Nonperforming Loans 135
1. Restoring Solvency 135
a. Reasons for Restoring Solvency 135
b. Policy Options 136
c. Bank Recapitalization 138
2. Maintaining Solvency 143
VII
III. Banks and Real Sector Adjustment 145
1. Credit Rationing and Ex Ante Asymmetric Information 147
a. Adverse Selection and Credit Rationing 147
b. Lack of Collateral 149
c. Investment into Information 151
2. Lack of Corporate Governance and Ex Post Asymmetric
Information 152
a. Debt versus Equity Finance 153
b. Universal versus Specialized Banking 155
IV. Banking Regulations and Deposit Insurance 161
1. Design and Enforcement of Prudential Regulations 162
a. Reasons for Regulations 162
b. Designing Regulations 163
c. Banking Supervision 166
2. Deposit Insurance Reform 168
V. Assessment of the Reform Process 170
F. Empirical Evidence on the Role of Banks in Eastern Europe 173
I. Market Entry 174
II. Portfolio Selection 180
1. Balance Sheet Analysis 181
2. Volume and Structure of Commercial Bank Lending 188
a. Real Credit Growth 189
b. Sectoral Allocation of Credit 191
c. Term Structure and Denomination of Loans 194
III. Interest Rates and Bank Profitability 196
1. Interest Rate Spreads 196
2. Income Statement Analysis 200
IV. Banks and Real Sector Adjustment 209
1. Financial Structure of Firms 209
2. Banks and Privatization 213
a. Financing Private Firms 214
b. Corporate Governance and Firm Restructuring 216
G. Summary and Conclusions 222
VIII
Appendix 238
I. Mathematical Appendix 238
1. Expected Profit 238
2. Second Order Conditions 240
3. Comparative Statics 241
II. Tables 246
in. Figures 265
Bibliography 269
Index 300
IX
List of Tables
Table 1 — Nonperforming Loans and Recapitalization Expenditures,
1990 1994 28
Table 2 — Savings and Investment, 1970 1994 75
Table 3 — Household Financial Savings, 1986 1993 78
Table 4 — Structure of Household Financial Wealth in the Czech
Republic, 1989 1994 79
Table 5 — Structure of Household Financial Wealth in Hungary,
1988 1994 80
Table 6 — Structure of Household Financial Wealth in Poland, 1989
1994 81
Table 7 — Sources and Uses of the Growth of A/2 in the Czech
Republic, 1989 1994 90
Table 8 — Sources and Uses of the Growth of Assets and Liabilities in
the Hungarian Banking System, 1990 1994 91
Table 9 — Sources and Uses of the Growth of Assets and Liabilities in
the Polish Banking System, 1989 1994 92
Table 10 — Sources and Uses of the Growth of A/2 in Estonia, 1992
1994 93
Table 11 — Foreign Currency Deposits as a Share of A/2, 1989 1994.... 94
Table 12 —Structure of Domestic Credit, 1989 1994 95
Table 13 — Refinancing Rates in the Czech Republic, 1989 1994 97
Table 14 —Refinancing Rates in Hungary, 1989 1994 99
Table 15— Refinancing Rates in Poland, 1989 1994 100
Table 16 — Potential Interest Costs of Bank Recapitalization, 1991—
1994 104
Table 17 — Government Revenue from the Banking System, 1989—
1993 105
Table 18 — Results of the Comparative Static Analysis 119
Table 19 — Monitoring under Debt and Equity Finance 154
Table 20 — Structure of the Banking Systems by Number of Banks,
1989 1994 175
X
Table 21 — Market Shares of Banking Groups in the Czech Republic,
1990 1994 176
Table 22 — Market Shares of Banking Groups in Hungary, 1991 1994 177
Table 23 — Market Shares of Banking Groups in Poland, 1990 1994 ... 178
Table 24 — Concentration Ratios of the Eastern European Banking
Systems, 1991 1994 180
Table 25 — Total Assets of the Banking Systems, 1990 1994 181
Table 26 — Balance Sheet Structure of Czech Banks, 1991 1994 183
Table 27 — Balance Sheet Structure of Polish Banks, 1991 1994 185
Table 28 — Results of the Regression Analysis for Polish Banks, 1991
1994 187
Table 29 —Balance Sheet Structure of Estonian Banks, 1991 1994 188
Table 30 — Lending of Commercial Banks to the Enterprise Sector,
1989 1994 190
Table 31 — Commercial Bank Credit by Type of Debtor, 1989 1994 192
Table 32 — Commercial Bank Credit by Maturity and Denomination,
1989 1994 195
Table 33 — Nominal and Real Interest Rate Spreads, 1989 1994 197
Table 34 — Interest Rates on Bank Loans in the Czech Republic, 1989
1994 198
Table 35 — Interest Rate Spreads of Hungarian Banks, 1989 1994 199
Table 36 — Interest Rate Spreads of Polish Banks, 1990 1994 200
Table 37 — ROE Analysis for Selected Countries in Eastern and
Western Europe 203
Table 38 — Income Statement Analysis for Czech Banks, 1991 1994 ... 205
Table 39 — Interenterprise Debt in Eastern Europe, 1989 1994 212
Table 40 — Results of the Polish Program on the Restructuring of
Banks and Enterprises, 1994 219
XI
Table A 1 — Regulations Affecting the Activities of Banks in the Czech
Republic, Hungary, Poland, and Estonia 246
Table A 2 — Participation in the Hungarian Consolidation Schemes,
1992 1994 252
Table A3 — Structure of Central Bank Credit to Commercial Banks,
1989 1994 252
Table A 4 — Indicators of Commercial Bank Liabilities and
Receivables from the Central Bank, 1989 1994 253
Table A 5 — Growth Rates of Money, Credit, and Prices, 1989 1994.... 254
Table A 6 — Balance Sheet Structure of Hungarian Banks, 1991 1994. 255
Table A 7 — Income Statement Analysis for Hungarian Banks, 1990
1994 257
Table A 8 — Income Statement Analysis for Polish Banks, 1990 1994. 259
Table A 9 — Income Statement Analysis for Banks in Selected Western
Economies, 1985 1989 261
Table A10 — The Financing of Firms in Selected Economies 262
Table Al 1 — Sources of Financial Funds in the Czech Republic, 1989—
1994 262
Table A12 — Debt Indicators of 200 Polish Enterprises, end 1993 263
Table A13 — Sources of Financial Funds in Polish State Owned
Enterprises and Cooperatives, 1987 1991 264
Table A14 — Indicators of Nonbank Financial Intermediation, 1994 264
|
| any_adam_object | 1 |
| author | Buch, Claudia M. 1966- |
| author_GND | (DE-588)132509210 |
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| callnumber-subject | HG - Finance |
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| dewey-ones | 332 - Financial economics |
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| dewey-search | 332.1/0947 21 332.1/0947 |
| dewey-sort | 3332.1 3947 221 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Book |
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| illustrated | Illustrated |
| indexdate | 2024-07-09T18:01:34Z |
| institution | BVB |
| isbn | 3161466624 |
| language | German |
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| series | Kieler Studien |
| series2 | Kieler Studien |
| spelling | Buch, Claudia M. 1966- Verfasser (DE-588)132509210 aut Creating efficient banking systems theory and evidence from Eastern Europe Claudia M. Buch Tübingen Mohr 1996 XV, 303 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Kieler Studien 277 Banken (financiële instellingen) gtt Banques - Europe de l'Est ram Financiële positie gtt Bank Banks and banking -- Europe, Eastern Finance -- Europe, Eastern Banques -- Europe de l'Est Kreditwesen (DE-588)4032950-1 gnd rswk-swf Wirtschaftsreform (DE-588)4066512-4 gnd rswk-swf Deregulierung (DE-588)4201191-7 gnd rswk-swf Wirtschaftssystem (DE-588)4117663-7 gnd rswk-swf Transformation (DE-588)4451062-7 gnd rswk-swf Osteuropa (DE-588)4075739-0 gnd rswk-swf Osteuropa (DE-588)4075739-0 g Wirtschaftsreform (DE-588)4066512-4 s Kreditwesen (DE-588)4032950-1 s DE-604 Deregulierung (DE-588)4201191-7 s Wirtschaftssystem (DE-588)4117663-7 s Transformation (DE-588)4451062-7 s DE-188 Kieler Studien 277 (DE-604)BV000001650 277 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007324702&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Buch, Claudia M. 1966- Creating efficient banking systems theory and evidence from Eastern Europe Kieler Studien Banken (financiële instellingen) gtt Banques - Europe de l'Est ram Financiële positie gtt Bank Banks and banking -- Europe, Eastern Finance -- Europe, Eastern Banques -- Europe de l'Est Kreditwesen (DE-588)4032950-1 gnd Wirtschaftsreform (DE-588)4066512-4 gnd Deregulierung (DE-588)4201191-7 gnd Wirtschaftssystem (DE-588)4117663-7 gnd Transformation (DE-588)4451062-7 gnd |
| subject_GND | (DE-588)4032950-1 (DE-588)4066512-4 (DE-588)4201191-7 (DE-588)4117663-7 (DE-588)4451062-7 (DE-588)4075739-0 |
| title | Creating efficient banking systems theory and evidence from Eastern Europe |
| title_auth | Creating efficient banking systems theory and evidence from Eastern Europe |
| title_exact_search | Creating efficient banking systems theory and evidence from Eastern Europe |
| title_full | Creating efficient banking systems theory and evidence from Eastern Europe Claudia M. Buch |
| title_fullStr | Creating efficient banking systems theory and evidence from Eastern Europe Claudia M. Buch |
| title_full_unstemmed | Creating efficient banking systems theory and evidence from Eastern Europe Claudia M. Buch |
| title_short | Creating efficient banking systems |
| title_sort | creating efficient banking systems theory and evidence from eastern europe |
| title_sub | theory and evidence from Eastern Europe |
| topic | Banken (financiële instellingen) gtt Banques - Europe de l'Est ram Financiële positie gtt Bank Banks and banking -- Europe, Eastern Finance -- Europe, Eastern Banques -- Europe de l'Est Kreditwesen (DE-588)4032950-1 gnd Wirtschaftsreform (DE-588)4066512-4 gnd Deregulierung (DE-588)4201191-7 gnd Wirtschaftssystem (DE-588)4117663-7 gnd Transformation (DE-588)4451062-7 gnd |
| topic_facet | Banken (financiële instellingen) Banques - Europe de l'Est Financiële positie Bank Banks and banking -- Europe, Eastern Finance -- Europe, Eastern Banques -- Europe de l'Est Kreditwesen Wirtschaftsreform Deregulierung Wirtschaftssystem Transformation Osteuropa |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007324702&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| volume_link | (DE-604)BV000001650 |
| work_keys_str_mv | AT buchclaudiam creatingefficientbankingsystemstheoryandevidencefromeasterneurope |