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Relevant bibliographies by topics / Banking law

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Academic literature on the topic 'Banking law'

Author: Grafiati

Published: 4 June 2021

Last updated: 15 June 2025

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Journal articles on the topic "Banking law"

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Office, Belmont European Community Law. "European Banking Law." Arab Law Quarterly 4, no. 1 (1989): 84. http://dx.doi.org/10.2307/3381451.

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Habib and Shirazi. "Islamic Banking Law." Arab Law Quarterly 6, no. 2 (1991): 226. http://dx.doi.org/10.2307/3381839.

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McLeod, Ross H. "Indonesia's New Banking Law." Bulletin of Indonesian Economic Studies 28, no. 3 (1992): 107–22. http://dx.doi.org/10.1080/00074919212331336294.

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Kirkbride, Christopher. "Principles of banking law." Law Teacher 52, no. 4 (2018): 528–30. http://dx.doi.org/10.1080/03069400.2018.1496314.

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Chijioke-Oforji, Chijioke. "Banking law and regulation." Law Teacher 53, no. 4 (2019): 551–53. http://dx.doi.org/10.1080/03069400.2019.1636521.

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Muhyidin, Muhyidin. "Islamic Banking Law Perspective in the Concept of National Law." Gema Keadilan 7, no. 2 (2020): 69–83. http://dx.doi.org/10.14710/gk.2020.8947.

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AbstractThe focus of this article is the perspective of Islamic Banking Law in the concept of national law, both from the institutional aspect, the aspect of business activities. As well as aspects of liquidity management and financial instruments used, both at the level of laws and implementing regulations; and influencing socio-political, cultural and economic factors. Islamic banking law is a new entity in which there is interaction and mutual greeting between Islamic law and national law. In other words, Islamic banking law lies in two areas of law: Islamic law and national law. Sharia banking law, as the name implies, is Islamic law because it is formed on the principles of Islamic law. At the same time, Islamic banking law is also part of national law because it is formed by the competent state institution with the infrastructure and mechanisms that are formally justified. The discussion focuses on the dynamics of the encounter between Islamic law and national law as the elements of its formation. Such efforts can not ignore the factors - factors that influence it, whether political, cultural or economic.

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Shofiana, Gabrielia Febrianty, Abd Shomad, and Rahadi Wasi Bintoro. "Transformation of Banking Law in Indonesia." Jurnal Dinamika Hukum 19, no. 2 (2019): 429. http://dx.doi.org/10.20884/1.jdh.2019.19.2.2523.

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Globalization development through the market economy system has created injustice for humankind,encouraging Muslims to implement the Sharia in their economic activities. The rapid growth of shariaeconomy in Indonesia, ultimately affects the financial industry, including the banking that implicatesregulation and organizational structure causing two banking systems, namely conventional banking andsharia banking. Based on the description, this paper discusses the national banking law that applies two rulesof law in Indonesia. To address these legal issues, conceptual approach, statutory approach and historicalapproach are used. Based on the analysis, since the enactment of Law Number 21 Year 2008 on Sharia Banking,the existence of sharia banking is getting stronger. Therefore, in Indonesia there is a dual bank system in onerule, namely banking law. Both banks are responsible to bank Indonesia as national central bank.Conventional banks may conduct business activities based on sharia principles, but not so for sharia banks.Keyword: conventional bank, sharia bank, sharia principles

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Sullivan, Jr., Frank. "Banking, Business, and Contract Law." Indiana Law Review 52, no. 4 (2021): 635–87. http://dx.doi.org/10.18060/25093.

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Sullivan, Jr., Frank. "Banking, Business, and Contract Law." Indiana Law Review 53, no. 4 (2021): 821–63. http://dx.doi.org/10.18060/25145.

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Sullivan, Jr., Frank. "Banking, Business, and Contract Law." Indiana Law Review 48, no. 4 (2015): 1195. http://dx.doi.org/10.18060/4806.0039.

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Dissertations / Theses on the topic "Banking law"

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Eltayeb, E. A. "Aspects of banking law : Sudanese and English law compared." Thesis, University of Exeter, 1986. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.374707.

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Yuspin, Wardah. "Facilitating the growth of Islamic banking law and Islamic banking in Indonesia : new laws and new challenges." Thesis, University of Leeds, 2014. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.713882.

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The growth of Islamic banking and financial services (IBF) industry has generated considerable interest in the financial world in recent decades with no exception in Indonesia. The legal infrastructure for the development of IBF in Indonesia has been strengthened with the enactment of Islamic Banking Law No. 21 of 2008. The law includes two new arrangements that are expected to bring about changes in the IBF industry; namely Articles 55 and 68. In light of those articles, it is also essential to observe the development and practice of this industry in selected countries; namely Malaysia and Pakistan. Despite the difference of their legal systems (the practice of the Common Law Systems there as opposed to the Civil Law System in Indonesia), these two countries have been chosen for the resemblance of their IBF industry with the one developed, practiced and offered in. Indonesia. Particularly in Malaysia, the promulgation of the Central Bank Act 2009 and the Islamic Financial Services Act 2013 were aimed at enhancing its legal infrastructure that will not only protect its IBF industry but will ensure stability, growth and confidence of all players and stakeholders. Substantively, Article 68 deals with the Islamic window/ Islamic unit separation. It is quite natural to conclude that Window Model serves only as a transitory mechanism. Therefore, that model is mandated and/or limited to be a mere spun-off or temporary structure for IBF institutions from their parent banks before subsequently becoming a full-fledged institutions. Since this is mandatory, any Islamic window that violates this provision will be fined, or further, their licence will be revoked. Meanwhile in those particular countries this model is still allowed and can be adopted by conventional banks offering IBF services. However, the conventional banks will only be allowed to, offer IBF services once they have demonstrated their serious commitment to IBF and have a clear roadmap towards full conversion of their operations into a full fledged Islamic bank. Whilst Article 55 (1) affirms that the religious court is the institution authorised to settle dispute on matters concerning Islam and the economy, Article 55 (2), nonetheless, provides that if the litigants are in agreement, they can choose to refuse submission to the jurisdiction of the religious court jurisdiction and alternatively choose another forum such as district court to adjudicate the dispute. The selection and submission to another forum, such as the district court, can potentially bring about a conflict of authority and jurisdictions between the district courts and the religious courts. However, according to the decision of the Constitutional Court No.93PUU-X/2012 the Islamic financial disputes fall under the absolute competence of the religious court. While in those selected countries, the Islamic disputes are tried and heard before the jurisdiction of their civil courts, despite the fact that there is a designated civil court in Malaysia that will handle disputes relating to IBF. That choice of forum to render decision on this dispute raises the problem, since many judges who render decision on this case are in favour of the civil law rather than Shari'a (Islamic law). While the Islamic disputes are not merely commercial disputes but involves the questions of Shari matter(s). In this regards, a closer scrutiny on the Malaysian Central Bank Act 2009 will be useful since it provides for reference to the Shari'ah Advisory Council by the courts or arbitrators adjudicating matters relating to IBF disputes. With the rapid advancement of IBF industry and various products and services it offers, disputes are then inevitable. Premised on this realization, this thesis strongly examines and advocates that a proper and strong legal framework and infrastructure as well as substantial support of the legal fraternity are crucial prerequisites for a healthy advancement and significant growth of IBF industry. Therefore with the inclusion the Art 68 and 55 of the Islamic Banking Law, this industry is seen moved towards this advancement.

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Choe, Wongi. "Political institutions and politics of financial patronage after liberalization : Argentina, Korea, and Thailand in the 1990s /." Thesis, Connect to this title online; UW restricted, 2005. http://hdl.handle.net/1773/10712.

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Wang, Wei. "National treatment and China's post-WTO banking law." Thesis, Queen Mary, University of London, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.522590.

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Björklund, Iréne, and Lisbeth Lundström. "Islamic Banking - An Alternative System." Thesis, Kristianstad University College, Department of Business Administration, 2005. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-3145.

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<p>Islamic banking is an investment and financing system which expands globally. The Islamic banks have only been established for some 30 years but the banking system is based on long-going traditions within Islamic finance. The system is founded on ethical values and emphasises the well-being of society as a whole. </p><p>Islamic banking is different from conventional banking in most aspects, since its close tie to religion is very important. The system is not based on interest, as it is prohibited in Islam. Instead Islamic banks offer various kinds of accounts and a range of financing alternatives all complying with the Islamic Law – Shari’a. To work according to Shari’a is crucial for the banks and their activities are controlled by a special Religious Supervisory Board working within the bank. </p><p>The implementation of the Islamic banking system varies to some extent between Islamic countries. It has been influenced by its connections to politics of and the history in the countries where the system operates. As a result to the variations between the states’ implementation, the need for harmonisation increases as the expansion of Islamic banks continues. Several organisations work to achieve international standardisation and harmony to make the banking activities more transparent and attractive. The achievement of harmonisation as well as the performance of the banks is crucial for the future of Islamic banking. </p><p>The dissertation is based on extensive literature review and a personal interview with a professional within an Islamic bank in Lebanon.</p>

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Eriksson, M., and C. Schuster. "Customer loyalty in Internet banking." Thesis, Kristianstad University College, School of Health and Society, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-4808.

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<p>In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. </p><p>The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory purpose and a quantitative research method are adopted for the research. </p><p>It was found that customer satisfaction, corporate image and brand reputation and generation are factors that impact bank customer loyalty online. Switching costs, perceived service value and commitment show tendencies to impact bank customer loyalty online. </p><p>Since little research has been done on the topic bank customer loyalty, this dissertation may be of interest for researchers on customer loyalty and also for research on online loyalty for service companies. Moreover, the findings can be used as guidance for banks that want to develop their online banking and want to make sure they do everything possible to have loyal customers. </p>

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Seatzu, Francesco. "Insurance in private international law : a European perspective." Thesis, University of Nottingham, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.364461.

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Sofola, Olatokunbo. "The Nigerian law of consumer credit and security." Thesis, King's College London (University of London), 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.268316.

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Kammel, Armin J. "The law of international banking institutions : a comparative analysis /." Vienna : Mille Tre, 2005. http://www.gbv.de/dms/spk/sbb/recht/toc/494675012.pdf.

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Economopoulos, Andrew James. "Impact of free banking on the free banking market." Diss., Virginia Polytechnic Institute and State University, 1985. http://hdl.handle.net/10919/54288.

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This dissertation examines the free banking laws of seven states and the impact of three provisions of the laws on the states' banking experience. In Chapter I, a review of two current theories of the free banking experience is presented. One theory contends that the laws themselves induced the banking experience of the states. The second theory asserts that economic activity induced the banking experience. This study includes a discussion of both theories in the analysis of the provision's effect on the banking experience. In Chapter II, a simple model of the operations of a free bank is presented. Also, the laws of the seven states that determine the establishment and the operations of a free bank are reviewed. The review reveals that the states enacted similar provisions, but restrictions included in the provisions differ considerably. In Chapter III, the experiences of the states are examined. The states represent a spectrum of banking experiences. The experiences of each state are characterized by four measures; the entry rate, the failure rate, the below par rate, and the average loss per dollar. Each of these measures reflects a different aspect of banking behavior and each is examined in order to determine the effect of the provision and the effect of economic activity on the behavior of the free banks. The analysis shows that both the provisions and the economic activity influence bank behavior. In Chapter IV, a theoretical analysis of the effect of the stockholders liability provision on entry and on the bank's portfolio is developed. The theory shows that an increase in the stockholders liability of a free bank reduces entry into the free banking market and increases the risky asset-capital ratio of the free bank. The testing of the theories is presented in Chapter V. The empirical evidence confirms the hypothesis that an increase in the liability of the stockholders increases the risky asset-capital ratio. The evidence does not confirm the hypothesis that an increase in the liability of the stockholder reduces entry.<br>Ph. D.

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Books on the topic "Banking law"

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Homenko, Elena. Banking law. INFRA-M Academic Publishing LLC., 2021. http://dx.doi.org/10.12737/1405583.

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The textbook contains a systematic presentation of the main institutions of banking law in accordance with the academic discipline "Banking Law", taught at the Department of Banking Law of the Moscow State Law University named after O. E. Kutafin (MSLA). It examines the banking system of the Russian Federation and its structure; the features of credit institutions as subjects of banking law; the legal basis of the national payment system, its relationship with the banking system of Russia; the legal regulation of the deposit insurance system; legislation on bank accounts; the main types of bank loans; currency transactions carried out with the participation of authorized banks, and operations of credit institutions in the securities market. Attention is paid to the ratio of electronic money with electronic means of payment, the mechanism of non-cash payments and the procedure for implementing the institute of payment clearing. The proposed diagrams and tables facilitate the assimilation of the most difficult questions.

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Kokkinis, Andreas, and Andrea Miglionico. Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636.

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Poh, Chu Chai. Banking law. LexisNexis, 2007.

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Breslin, John. Banking law. Round Hall, Thomson Reuters, 2013.

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Baxter, Ian F. G. Banking law. Faculty of Law, University of Toronto, 1985.

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Lee, Mei Pheng. Banking law. 2nd ed. Malayan Law Journal Sdn. Bhd., 2002.

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Software, Ivy Business Training, ed. Banking law. Ivy Business Training Software, 1990.

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Penn, G. A. Banking law. Sweet & Maxwell, 1987.

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Hamblin, C. Banking law. Sweet & Maxwell, 1985.

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Klein, Gerald. Banking law. Chartered Insitute of Bankers, 1995.

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Book chapters on the topic "Banking law"

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de Gioia Carabellese, Pierre, and Camilla Della Giustina. "Banking law." In Banking Law and Financial Regulation in the UK and EU. Routledge, 2024. http://dx.doi.org/10.4324/9781032628646-2.

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Kokkinis, Andreas, and Andrea Miglionico. "Money laundering and terrorist financing." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-12.

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Kokkinis, Andreas, and Andrea Miglionico. "The relationship between banks and customers." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-7.

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Kokkinis, Andreas, and Andrea Miglionico. "EU harmonisation of the banking regulatory framework." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-5.

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Kokkinis, Andreas, and Andrea Miglionico. "Deposit insurance and banking stability." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-19.

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Kokkinis, Andreas, and Andrea Miglionico. "Post scriptum." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-22.

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Kokkinis, Andreas, and Andrea Miglionico. "The regulation of non-performing loans." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-20.

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Kokkinis, Andreas, and Andrea Miglionico. "UK banking resolution and the EU Single Resolution Mechanism." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-18.

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Kokkinis, Andreas, and Andrea Miglionico. "Regulation of bank capital and liquidity." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-14.

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Kokkinis, Andreas, and Andrea Miglionico. "Accounts and payment methods." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-9.

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Conference papers on the topic "Banking law"

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"LAW PROBLEMS IN BANKING (PROTECTION OF CONSUMER RIGHTS IN BANKING SERVICES)." In Global Business and Law Development Imperatives. Київський національний торговельно-економічний університет, 2019. http://dx.doi.org/10.31617/k.knute.2019-10-10.68.

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Baidhowi and Andry Setiawan. "Harmonization of Islamic Law Norms in Sharia Banking Laws." In Proceedings of the 2nd International Conference on Indonesian Legal Studies (ICILS 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/icils-19.2019.39.

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Bustamar, Zainuddin, and Aidil Alfin. "Sharia Banking Law Reconstruction in Indonesia." In International Conference Recent Innovation. SCITEPRESS - Science and Technology Publications, 2018. http://dx.doi.org/10.5220/0009924211621168.

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Özenbaş, Nazmiye. "Crime of Banking Embezzlement in Turkish Law." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01097.

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White-collar crime, which is perhaps the most important of types of crime in terms of havoc and committed by the superior contrary to common belief, has much more influence than conventional crime. This crimes, are committed by well-respected professionals in their business. Besides, this study explain one of the this type of crime, crime of banking embezzlement. Because of the vital importance of banking to countries’ economy and the detrimental effects of the fraudulent actions of bankers to the well being of a bank and its systemic effect to the other banks in the market, regulators impose criminal sanctions. In Turkey, a special embezzlement offence that can be conducted by bankers is regulated under article 160 of the Banking Law No.5411. This article aims to analyze this controversial criminal offence within Banking Law No.5411 and Turkish Criminal Law No.5237. In this respect, the study includes general information about embezzlement, elements of the offence, special circumstances that affects the nature of the offence, specific forms of the offence and prosecution methods. It should be noted that, the elements and structure of bank embezzlement which is expected in the first paragraph of Article 160 is very similar to the embezzlement which is provided for in the Penal Code. However, the structure of which is conditional embezzlement expected in the third paragraph of that Article is very different from embezzlement provided in the Criminal Code. In the study also, recommendations are presented regarding the upon completion of the crime and trial precondition.

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Samosir, Redy, Boy Nurdin, and Megawati Barthos. "Sustainable Economic Financing Law in Indonesian Banking." In Proceedings of the 3rd International Conference on Law, Social Science, Economics, and Education, ICLSSEE 2023, 6 May 2023, Salatiga, Central Java, Indonesia. EAI, 2023. http://dx.doi.org/10.4108/eai.6-5-2023.2333475.

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Tsai, Sang-Bing. "Performance Measurement of Banking Supervision: From the Perspective of Banking Supervision Law." In 2017 International Conference on Economics, Finance and Statistics (ICEFS 2017). Atlantis Press, 2017. http://dx.doi.org/10.2991/icefs-17.2017.25.

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Azizah, Nur. "Indonesian Sharia Banking Law Politics Through Mergers and Digitalization of Sharia Banking." In International Joint Conference on Arts and Humanities 2021 (IJCAH 2021). Atlantis Press, 2022. http://dx.doi.org/10.2991/assehr.k.211223.125.

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"INFORMATION SECURITY PROBLEMS IN BANKING." In Current Issue of Law in the Banking Sphere. Samara State Economic University, 2019. http://dx.doi.org/10.46554/banking.forum-10.2019-21/26.

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"BANKING INNOVATION: FOR AND CONS." In Current Issue of Law in the Banking Sphere. Samara State Economic University, 2019. http://dx.doi.org/10.46554/banking.forum-10.2019-248/252.

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"BANK WARRANTY IN A CONTRACT PROCUREMENT SYSTEM: TOPICAL LAW MATTERS." In Current Issue of Law in the Banking Sphere. Samara State Economic University, 2019. http://dx.doi.org/10.46554/banking.forum-10.2019-96/99.

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Reports on the topic "Banking law"

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Iregui-Bohórquez, Ana María, and Jesús Otero. Testing the law of one price in retail banking : an analysis for Colombia using a pair-wise approach. Banco de la República, 2012. http://dx.doi.org/10.32468/be.733.

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Tavella, Pilar, and Andrew Powell. Capital Inflow Surges in Emerging Economies: How Worried Should LAC Be? Inter-American Development Bank, 2012. http://dx.doi.org/10.18235/0011412.

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This paper analyzes capital inflow surges in emerging economies from 1980 to 2005. Estimated probit models are used, which discriminate well between surges associated with banking crises or recessions, and those surges that end without such events. The results indicate that the composition of inflows and the extent of financial reform are significant determinants of outcomes. Estimated models are applied to the Latin American post-2005 inflow surge and find relatively high estimated probabilities for banking crises and recessions. This suggests that recent inflow surges characterized by high portfolio and banking inflows are a potential cause for concern and that the results constitute a prima facie case for macro prudential interventions.

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Brassil, Anthony. The Consequences of Low Interest Rates for the Australian Banking Sector. Reserve Bank of Australia, 2022. http://dx.doi.org/10.47688/rdp2022-08.

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There is a vast international literature exploring the consequences of low interest rates for various banking sectors. In this paper, I explore how this international literature relates to the Australian banking sector, which operates differently to other jurisdictions. In the face of low rates, the profitability of Australian banks has likely been less adversely affected than what the international literature would predict, but the flip side to this is that the pass-through of monetary policy to lending rates may have been more muted. I then use a recent advance in macrofinancial modelling to explore whether pass-through in Australia could turn negative – the so called 'reversal rate' – and find that the features of the Australian banking system mean a reversal rate is highly unlikely to exist in Australia.

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Pinckney, Thomas C., Richard H. Sabot, and Nancy Birdsall. Why Low Inequality Spurs Growth: Savings and Investment by the Poor. Inter-American Development Bank, 1996. http://dx.doi.org/10.18235/0011543.

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This paper discusses the ways in which macroeconomic developments can put stress on banks, and in extreme cases lead to banking crises. There are many ways in which this can occur, and no specific mechanism is endorsed. These macroeconomic causes of bank vulnerability and crisis have important implications for regulatory regimes, and for macroeconomic policy itself. Much of the discussion emphasizes the need to set monetary policy with an eye on the state of the domestic banking system.

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Loecker, Florian, Amanah Ramadiah, and Kimmo Soramäki. Countering Consumer Fraud and Scams with National Fraud Portals. FNA, 2024. http://dx.doi.org/10.69701/oppl1525.

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In this paper, we argue that setting up a new Digital Public Infrastructure - a National Fraud Portal (NFP) - is the only way to address fraud and consumer scams efficiently. NFPs provide a technological solution as a shared facility for banks, law enforcement, the Financial Intelligence Unit (FIU), the central bank, the conduct supervisor, and other stakeholders. Further down the line, NFPs can connect to one another as cross-border criminal activity increases (a likely consequence of suppressing fraud domestically). The National Fraud Portal (NFP) enables: The real-time tracing and tracking of fund movements across the banking system that allow banks to recover funds for victims quickly The validation and prioritization of cases across the economy using data-driven models The faster identification of new mule accounts at a reduced cost More accurate methods for fraud detection and risk scoring that employ Graph AI deployed on network data. The real-time provision of risk scores and features to banks via APIs, allowing them to improve their fraud models and make faster, more accurate decisions about preventing fraudulent payments before settlement. In this paper, we detail the technological components of the National Fraud Portal. The paper is a result of FNA’s work building technology for National Fraud Portals in Southeast Asia, as well as conversations with over 100 institutions across 20 countries that are actively working on, or have an interest in tackling the problem of fraud and scams.

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Gelain, Paolo, and Marco Lorusso. The US banks’ balance sheet transmission channel of oil price shocks. Federal Reserve Bank of Cleveland, 2022. http://dx.doi.org/10.26509/frbc-wp-202233.

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We document the existence of a quantitative relevant banks' balance-sheet transmission channel of oil price shocks by estimating a dynamic stochastic general equilibrium model with banking and oil sectors. The associated amplification mechanism implies that those shocks explain a non-negligible share of US GDP growth fluctuations, up to 17 percent, instead of 6 percent absent the banking sector. Also, they mitigated the severity of the Great Recession’s trough. GDP growth would have been 2.48 percentage points more negative in 2008Q4 without the beneficial effect of low oil prices. The estimate without the banking sector is only 1.30 percentage points.

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García-Villegas, Salomón, and Enric Martorell. Climate transition risk and the role of bank capital requirements. Banco de España, 2024. http://dx.doi.org/10.53479/36292.

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How should bank capital requirements be set to deal with climate-related transition risks? We build a general equilibrium macro banking model where production requires fossil and low-carbon energy intermediate inputs, and the banking sector is subject to volatility risk linked to changes in energy prices. Introducing carbon taxes to reduce carbon emissions from fossil energy induces risk spillovers into the banking sector. Sectoral capital requirements can effectively address risks from energy-related exposures, benefiting household welfare and indirectly facilitating capital reallocation. Absent carbon taxes, implementing fossil penalizing capital requirements does not reduce emissions significantly and may threaten financial stability. During the transition, capital requirements can complement carbon tax policies, safeguarding financial stability and trading off long-run welfare gains against lower investment and credit supply in the short run.

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Papí-Gálvez, Natalia, and Daniel La Parra-Casado. Informe 2022. Cátedra de Brecha Digital Generacional. Las personas mayores en la era de la digitalización en la Comunidad Valenciana (datos 2021). Cátedra de Brecha Digital Generacional, 2022. http://dx.doi.org/10.14198/bua.2022.papi.infc.

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The Research Chair in the Generational Digital Divide undertakes activities aimed at furthering knowledge about the causes, consequences and solutions to the digital divides caused by age gaps. This report shows the research project carried out in 2021 to learn more about how the digital divide affects over 54s living in the Valencia Region, by province, with a focus on intergenerational relationships. To this end, an exploratory survey targeted at over 54s years old and over 39s years old in the Valencia Region, based on primary sources and combining quantitative and qualitative techniques, has been conducted. The data reveals that, while a large percentage of over 54s declare that they have access to and are users of new technologies, much remains to be done for access and usage to become universal, especially at older ages. The report analyses how technology is used, considering its purpose and context, according to age and other significant variables. Differences in technology usage have been found across age groups and between women and men. The report contains information on, among other relevant aspects, online services, and especially on e-banking, the healthcare system and e-administration. Differences between age groups have been found for all indicators, shedding light on intergenerational relationships within the family that are crucial for older people. The Research Chair is an initiative by the Valencia Region Government’s Directorate General for the Fight Against the Digital Divide and stems from the collaboration between the Regional Department for Innovation, Science, Universities and Digital Society and the University of Alicante.

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Baker, Malcolm, and Jeffrey Wurgler. Do Strict Capital Requirements Raise the Cost of Capital? Banking Regulation and the Low Risk Anomaly. National Bureau of Economic Research, 2013. http://dx.doi.org/10.3386/w19018.

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Boel, Paola, and Christopher J. Waller. On the essentiality of credit and banking at zero interest rates. Federal Reserve Bank of Cleveland, 2023. http://dx.doi.org/10.26509/frbc-wp-202313.

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We investigate the welfare-increasing role of credit and banking at zero interest rates in a microfounded general equilibrium monetary model. Agents differ in their opportunity costs of holding money due to heterogeneous idiosyncratic time-preference shocks. Without banks, the constrained-efficient allocation is never attainable, since impatient agents always face a positive implicit rate in equilibrium. With banks, patient agents pin down the borrowing rate and in turn enable impatient agents to borrow at no cost when the inflation rate approaches the highest discount factor. Banks can therefore improve welfare at zero rates, provided that both types of agents are included in the financial system and that the borrowing limit is sufficiently lax. The result is robust to several extensions.

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