Regulation issues in the banking industry
Autor(a) principal: | |
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Data de Publicação: | 2011 |
Tipo de documento: | Tese |
Idioma: | eng |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | https://hdl.handle.net/10438/8216 |
Resumo: | This dissertation aims to examine the factors that drive the bank decision process of capital/investment structure and to evaluate the effectiveness of regulatory intervention in Brazil. This study is divided into three chapters. The first chapter presents, in a systematic fashion, the theoretical and empirical literature to explain the financing and investment decisions of a heavily regulated banking firm. It also describes the evolution of international standards of prudential capital regulation, since the publication of the first Basel Accord until the initial steps of Basel III, and the regulatory scenario in Brazil. The second chapter, through a dynamic model of the trade-off theory, analyzes the determinants of Brazilian banks‟ capital buffer between 2001 and 2009, suggesting that: (i) regulatory capital requirements and adjustment costs may influence banks decisions; (ii) supervisory authority evaluations may impact capital buffers; (iii) market discipline may not being effective in improving bank solvency; and (iv) there is a negative relationship between the buffer and business cycle, which may represent a pro-cyclical bank’s capital management. Finally, the third chapter uses supervisory authority ratings (CAMEL) to provide evidences that the supervisory and regulatory pressures induce banks in Brazil to undertake downwards short term adjustments in leverage and also in portfolio risks. |
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Pereira, João André Calviño MarquesEscolasSheng, Hsia HuaSchiozer, Rafael FelipeMello, João Manoel Pinho deCapelletto, Lucio RodriguesSaito, Richard2011-05-26T17:18:19Z2011-05-26T17:18:19Z2011-04-15PEREIRA, João André Calviño Marques. Regulation issues in the banking industry. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2011.https://hdl.handle.net/10438/8216This dissertation aims to examine the factors that drive the bank decision process of capital/investment structure and to evaluate the effectiveness of regulatory intervention in Brazil. This study is divided into three chapters. The first chapter presents, in a systematic fashion, the theoretical and empirical literature to explain the financing and investment decisions of a heavily regulated banking firm. It also describes the evolution of international standards of prudential capital regulation, since the publication of the first Basel Accord until the initial steps of Basel III, and the regulatory scenario in Brazil. The second chapter, through a dynamic model of the trade-off theory, analyzes the determinants of Brazilian banks‟ capital buffer between 2001 and 2009, suggesting that: (i) regulatory capital requirements and adjustment costs may influence banks decisions; (ii) supervisory authority evaluations may impact capital buffers; (iii) market discipline may not being effective in improving bank solvency; and (iv) there is a negative relationship between the buffer and business cycle, which may represent a pro-cyclical bank’s capital management. Finally, the third chapter uses supervisory authority ratings (CAMEL) to provide evidences that the supervisory and regulatory pressures induce banks in Brazil to undertake downwards short term adjustments in leverage and also in portfolio risks.Esta tese tem por objetivo examinar os fatores que direcionam o processo decisório de estrutura de capital/investimento do banco e avaliar a efetividade da intervenção regulatória no Brasil. O trabalho está divido em três capítulos. No primeiro capítulo, apresenta-se, de forma sistematizada, arcabouço teórico e evidências empíricas na literatura para explicar o comportamento da firma bancária, fortemente regulada, em suas decisões de financiamento e investimento. Além disso, descreve-se a evolução dos padrões internacionais de regulação prudencial de capital, desde a publicação do primeiro Acordo de Basiléia até as medidas iniciais de Basiléia III, apresentando também o contexto normativo no Brasil. No segundo capítulo, por meio de modelo dinâmico da teoria de trade-off, analisam-se os determinantes do buffer de capital dos bancos brasileiros entre 2001 e 2009. Os resultados sugerem que: (i) o requerimento regulatório de capital e os custos de ajustes de capital influenciam nas decisões dos bancos; (ii) as avaliações da autoridade de supervisão bancária impacta os colchões de capital; (iii) a disciplina de mercado pode não ser efetiva em aumentar a solvência dos bancos; e (iv) existe uma relação negativa entre o colchão de capital e o ciclo de negócios que pode representar uma gestão procíclica de capital dos bancos. Por fim, no terceiro capítulo, utiliza-se metodologia proprietária dos escores das instituições conferidos pela autoridade supervisora (CAMEL), para apresentar evidências de que as pressões regulatória e de supervisão no Brasil induzem os bancos a realizarem ajustes de curto prazo relativamente menores na alavancagem e, principalmente, no risco do portfólio.engMicroeconomics of bankingPrudential regulationRegulatory capitalAsset riskMicroeconomia bancáriaRegulação prudencialCapital regulatórioRisco dos ativosAdministração de empresasCapital bancário - AdministraçãoBancos - RegulamentaçãoInvestimentos bancáriosModelos econométricosRegulation issues in the banking industryinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/doctoralThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas 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|
dc.title.eng.fl_str_mv |
Regulation issues in the banking industry |
title |
Regulation issues in the banking industry |
spellingShingle |
Regulation issues in the banking industry Pereira, João André Calviño Marques Microeconomics of banking Prudential regulation Regulatory capital Asset risk Microeconomia bancária Regulação prudencial Capital regulatório Risco dos ativos Administração de empresas Capital bancário - Administração Bancos - Regulamentação Investimentos bancários Modelos econométricos |
title_short |
Regulation issues in the banking industry |
title_full |
Regulation issues in the banking industry |
title_fullStr |
Regulation issues in the banking industry |
title_full_unstemmed |
Regulation issues in the banking industry |
title_sort |
Regulation issues in the banking industry |
author |
Pereira, João André Calviño Marques |
author_facet |
Pereira, João André Calviño Marques |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas |
dc.contributor.member.none.fl_str_mv |
Sheng, Hsia Hua Schiozer, Rafael Felipe Mello, João Manoel Pinho de Capelletto, Lucio Rodrigues |
dc.contributor.author.fl_str_mv |
Pereira, João André Calviño Marques |
dc.contributor.advisor1.fl_str_mv |
Saito, Richard |
contributor_str_mv |
Saito, Richard |
dc.subject.eng.fl_str_mv |
Microeconomics of banking Prudential regulation Regulatory capital Asset risk |
topic |
Microeconomics of banking Prudential regulation Regulatory capital Asset risk Microeconomia bancária Regulação prudencial Capital regulatório Risco dos ativos Administração de empresas Capital bancário - Administração Bancos - Regulamentação Investimentos bancários Modelos econométricos |
dc.subject.por.fl_str_mv |
Microeconomia bancária Regulação prudencial Capital regulatório Risco dos ativos |
dc.subject.area.por.fl_str_mv |
Administração de empresas |
dc.subject.bibliodata.por.fl_str_mv |
Capital bancário - Administração Bancos - Regulamentação Investimentos bancários Modelos econométricos |
description |
This dissertation aims to examine the factors that drive the bank decision process of capital/investment structure and to evaluate the effectiveness of regulatory intervention in Brazil. This study is divided into three chapters. The first chapter presents, in a systematic fashion, the theoretical and empirical literature to explain the financing and investment decisions of a heavily regulated banking firm. It also describes the evolution of international standards of prudential capital regulation, since the publication of the first Basel Accord until the initial steps of Basel III, and the regulatory scenario in Brazil. The second chapter, through a dynamic model of the trade-off theory, analyzes the determinants of Brazilian banks‟ capital buffer between 2001 and 2009, suggesting that: (i) regulatory capital requirements and adjustment costs may influence banks decisions; (ii) supervisory authority evaluations may impact capital buffers; (iii) market discipline may not being effective in improving bank solvency; and (iv) there is a negative relationship between the buffer and business cycle, which may represent a pro-cyclical bank’s capital management. Finally, the third chapter uses supervisory authority ratings (CAMEL) to provide evidences that the supervisory and regulatory pressures induce banks in Brazil to undertake downwards short term adjustments in leverage and also in portfolio risks. |
publishDate |
2011 |
dc.date.accessioned.fl_str_mv |
2011-05-26T17:18:19Z |
dc.date.available.fl_str_mv |
2011-05-26T17:18:19Z |
dc.date.issued.fl_str_mv |
2011-04-15 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/doctoralThesis |
format |
doctoralThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
PEREIRA, João André Calviño Marques. Regulation issues in the banking industry. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2011. |
dc.identifier.uri.fl_str_mv |
https://hdl.handle.net/10438/8216 |
identifier_str_mv |
PEREIRA, João André Calviño Marques. Regulation issues in the banking industry. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2011. |
url |
https://hdl.handle.net/10438/8216 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
instname_str |
Fundação Getulio Vargas (FGV) |
instacron_str |
FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
bitstream.url.fl_str_mv |
https://repositorio.fgv.br/bitstreams/82cf5991-d1e6-4847-b8c3-4cd32e90a848/download https://repositorio.fgv.br/bitstreams/776d4088-7ecb-46cf-8d1f-5a5680b23b5c/download https://repositorio.fgv.br/bitstreams/8b765bcc-0b19-4612-91b6-c657bfcad19c/download https://repositorio.fgv.br/bitstreams/94f5b810-1631-4f3e-95cb-88c790f36f7e/download |
bitstream.checksum.fl_str_mv |
317ce99e12150f05d086d02057a7e979 4dea6f7333914d9740702a2deb2db217 866c7dad46e5398169755de87e5d45fe b8a084bbbe199a79719f78e5ce051724 |
bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 MD5 |
repository.name.fl_str_mv |
Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
|
_version_ |
1813797786486833152 |