Bank Regulatory Agreements and Real Estate Lending
作者:
Joe Peek,
Eric S. Rosengren,
期刊:
Real Estate Economics
(WILEY Available online 1996)
卷期:
Volume 24,
issue 1
页码: 55-73
ISSN:1080-8620
年代: 1996
DOI:10.1111/1540-6229.00680
出版商: Blackwell Publishing Ltd
数据来源: WILEY
摘要:
Recent studies have found that banks with low capital ratios have significantly decreased their lending to the real estate sector. This correlation between real estate lending and bank capital could be the result of voluntary decisions by banks to recapitalize, or it could be the result of direct actions taken by bank regulators. We find that banks with low capital ratios reduce their real estate lending substantially more after formal regulatory actions have been initiated by regulators. Furthermore, this reduction in lending is particularly large for the categories of real estate borrowers most likely to be bank dependent.
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