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L'impatto della "bolla regolamentare" sulle banche: alcune valutazioni

Author

Listed:
  • Pietro Alessandrini

    () (Di.S.E.S. - Universita' Politecnica delle Marche)

  • Luca Papi

    () (Di.S.E.S. - Universita' Politecnica delle Marche)

Abstract

Il lavoro parte dalla constatazione che l'onere regolamentare sulle banche si e' accresciuto dopo la grande crisi finanziaria a causa di una regolamentazione sempre piu' invasiva e complessa e si propone di analizzare gli effetti di questa "bolla regolamentare" sulle diverse tipologie di banche discutendo il significato e l'effettiva applicazione del principio di proporzionalita' Con l'ausilio di un questionario sottoposto a 39 banche italiane e con l'utilizzo di un dataset sulle sanzioni comminate dall'autorita' di vigilanza nel periodo 1998-2016, si corrobora l'esistenza di economie di scala nel soddisfare i requisiti regolamentari e si sostiene la necessita' di approfondire le conoscenze e le rilevazioni sui costi da regolamentazione per meglio applicare la proporzionalita' in campo bancario e contribuire al mantenimento di un pluralismo bancario utile alla crescita dei diversi territori. The paper starts from the observation that the regulatory burden on banks has increased after the great financial crisis due to more invasive and complex regulation and aims to analyze the effects of this "regulatory bubble" on the different types of banks discussing the meaning and the effective application of the principle of proportionality. With the help of a questionnaire submitted to 39 Italian banks and with the use of a dataset on the sanctions imposed by the supervisory authority in the period 1998- 2016, the existence of economies of scale is corroborated in meeting regulatory requirements. The paper supports the need to deepen the knowledge and surveys on regulatory costs in order to better apply proportionality within the banking sector and to contribute to the maintenance of a banking pluralism, useful for the growth of the various territories.

Suggested Citation

  • Pietro Alessandrini & Luca Papi, 2018. "L'impatto della "bolla regolamentare" sulle banche: alcune valutazioni," Mo.Fi.R. Working Papers 150, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
  • Handle: RePEc:anc:wmofir:150
    as

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    File URL: http://docs.dises.univpm.it/web/quaderni/pdfmofir/Mofir150.pdf
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    References listed on IDEAS

    as
    1. Luca Papi & Emma Sarno & Alberto Zazzaro, 2017. "The geographical network of bank organizations: issues and evidence for Italy," Chapters, in: Ron Martin & Jane Pollard (ed.), Handbook on the Geographies of Money and Finance, chapter 8, pages 156-196, Edward Elgar Publishing.
    2. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2010. "Bank size or distance: what hampers innovation adoption by SMEs?," Journal of Economic Geography, Oxford University Press, vol. 10(6), pages 845-881, November.
    3. Ken B. Cyree, 2016. "The Effects Of Regulatory Compliance For Small Banks Around Crisis-Based Regulation," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 39(3), pages 215-246, September.
    4. Pietro Alessandrini & Luca Papi, 2018. "Banche locali e piccole imprese dopo la crisi tra nuove regole e innovazioni digitali," Mo.Fi.R. Working Papers 148, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    5. Pietro Alessandrini & Michele Fratianni & Luca Papi & Alberto Zazzaro, 2016. "The asymmetric burden of regulation: will local banks survive?," Mo.Fi.R. Working Papers 125, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    6. Andrew P. Meyer & Michelle Clark Neely & Drew Dahl, 2016. "Scale Matters: Community Banks and Compliance Costs," The Regional Economist, Federal Reserve Bank of St. Louis.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Regolamentazione; proporzionalità ; costi della regolamentazione; banche.Regulation; proportionality; regulatory burden; banks.;

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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