Regulation issues in the banking industry

Detalhes bibliográficos
Autor(a) principal: Pereira, João André Calviño Marques
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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spelling 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
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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
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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
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