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Vers une règlementation bancaire plus flexible : développement d'un modèle d'autosélection

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  • Jézabel Couppey

    (TEAM, Université Paris 1)

Abstract

The new adaptation of banking prudential regulation to market risks notably have led regulatory authorities to admit internal control and to attach more importance to reporting and disclosures policy. So, regulatory authorities tend to follow the recommendations extracted from the theory of the contracts: Prudential regulation has to be graded with bank's information revealing their risk. In this article, we present a self-selection model applied to banking regulation. We aim to derive the properties of a more flexible regulation following two major contributions on the subject, Giammarino, Lewis, Sappington (1993) and Bensaid, Pagès Rochet (1995). The interest of our model is fond of the relative nature of the incentive problem which must be solved by the regulator. Thus, it contributes to reconcile the opposite results of the two cited contributions

Suggested Citation

  • Jézabel Couppey, 1999. "Vers une règlementation bancaire plus flexible : développement d'un modèle d'autosélection," Cahiers de la Maison des Sciences Economiques bla99093, Université Panthéon-Sorbonne (Paris 1).
    • Handle: RePEc:mse:wpsorb:bla99093
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    More about this item

    Keywords

    banking; prudential regulation; information asymetries; adverse selection;
    All these keywords.

    JEL classification:

    • D8 - Microeconomics - - Information, Knowledge, and Uncertainty
    • G2 - Financial Economics - - Financial Institutions and Services
    • L5 - Industrial Organization - - Regulation and Industrial Policy

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