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Risk facing U.S. commercial banks

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  • Prywes, Menahem
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    Abstract

    The study examines the financial state of the U.S. commercial banks and of the main private borrowing sectors: corporate non-financial business and households. The study finds that the condition of the banks'loan portfolios exposes them to high losses. This risk together with the forthcoming increase of the required ratio of capital to assets suggests that banks will respond by slowing the growth of credit. One consequence would be weaker U.S. investment and consumption. Moreover, credit would probably be directed away from higher risk borrowers such as the highly indebted countries.

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    File URL: http://www-wds.worldbank.org/servlet/WDSContentServer/WDSP/IB/1990/11/01/000009265_3960930033453/Rendered/PDF/multi_page.pdf
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    Bibliographic Info

    Paper provided by The World Bank in its series Policy Research Working Paper Series with number 534.

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    Date of creation: 30 Nov 1990
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    Handle: RePEc:wbk:wbrwps:534

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    Related research

    Keywords: Financial Crisis Management&Restructuring; Banks&Banking Reform; Financial Intermediation; Economic Theory&Research; International Terrorism&Counterterrorism;

    References

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    1. Jeffrey Sachs & Harry Huizinga, 1987. "U.S. Commercial Banks and the Developing Country Debt Crisis," NBER Working Papers 2455, National Bureau of Economic Research, Inc.
    2. Eli M. Remolona, . "Understanding international differences in leverage trends," Monograph, Federal Reserve Bank of New York, number 1990uidil.
    3. Martin H. Wolfson & Mary M. McLaughlin, 1989. "Recent developments in the profitability and lending practices of commercial banks," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Jul, pages 461-484.
    4. John V. Duca & Mary M. McLaughlin, 1990. "Developments affecting the profitability of commercial banks," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Jul, pages 477-499.
    5. Charles A. Luckett, 1988. "Personal bankruptcies," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Sep, pages 591-603.
    6. Huizinga, Harry, 1989. "How has the debt crisis affected commercial banks?," Policy Research Working Paper Series 195, The World Bank.
    7. Eli Remolona, 1990. "Understanding international differences in leverage trends," Research Paper 9025, Federal Reserve Bank of New York.
    8. Richard Cantor, 1989. "Interest rates, household cash flow, and consumer expenditures," Quarterly Review, Federal Reserve Bank of New York, issue Sum, pages 59-67.
    9. Eli M. Remolona, 1990. "Understanding international differences in leverage trends," Quarterly Review, Federal Reserve Bank of New York, issue Spr, pages 31-42.
    10. Ben S. Bernanke & John Y. Campbell, 1988. "Is There a Corporate Debt Crisis?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 19(1), pages 83-140.
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