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Bank Insolvencies, Regulatory Forbearance and Ambiguity

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Author Info
Dmitri V. Vinogradov () (Universität Heidelberg, Alfred-Weber-Institut für Wirtschaftswissenschaften, Universität Heidelberg, Alfred-Weber-Institut für Wirtschaftswissenschaften)

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Abstract

Banking regulators often practice forbearance and ambiguity in insolvency resolutions. The paper examines the effects of regulatory forbearance and ambiguity in a context of allocational efficiency. Bailouts, liquidations and their stochastic policy mix lead to suboptimal allocations if banks do not internalize insolvency costs. The policy of forbearance may make banks internalizing such costs and improves the efficiency of intermediation.

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File URL: http://www.awi.uni-heidelberg.de/with2/Discussion%20papers/papers/dp431.pdf
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Publisher Info
Paper provided by University of Heidelberg, Department of Economics in its series Working Papers with number 0431.

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Length: 26 pages
Date of creation: Sep 2006
Date of revision: Sep 2006
Handle: RePEc:awi:wpaper:0431

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Related research
Keywords: Banks; insolvency resolution; forbearance; constructive ambiguity;

Find related papers by JEL classification:
D50 - Microeconomics - - General Equilibrium and Disequilibrium - - - General
E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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  1. James, Christopher, 1991. " The Losses Realized in Bank Failures," Journal of Finance, American Finance Association, vol. 46(4), pages 1223-42, September. [Downloadable!] (restricted)
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This page was last updated on 2009-12-14.


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