Bank Size, Bank Capital, and the Bank Lending Channel

This paper provides evidence of a credit channel and a bank lending channel of monetary policy in the United States from 1980 to 1995. We test for bank loan supply shifts by segregating banks according to asset size and capital leverage ratio. The loan growth of small (under $300M) undercapitalized...

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Bibliographic Details
Published in:Journal of money, credit and banking credit and banking, 2000-02, Vol.32 (1), p.121-141
Main Authors: Kishan, Ruby P., Opiela, Timothy P.
Format: Article
Language:English
Subjects:
Bank assets
Bank capital
Bank credit
Bank lending channels
Bank loans
Bank operations
Banking industry
Banking policy
Banks (Finance)
Capital requirements
Central banks
Credit
Economic policy
Federal Reserve Bank
Interest rates
International aspects
Laws, regulations and rules
Loan rates
Mathematical economics
Monetary policy
Regulatory policy
Reserve requirements
Services
Size of enterprise
Small business loans
Social aspects
Stabilization policy
Studies
Time deposits
Transmission mechanism
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Summary:This paper provides evidence of a credit channel and a bank lending channel of monetary policy in the United States from 1980 to 1995. We test for bank loan supply shifts by segregating banks according to asset size and capital leverage ratio. The loan growth of small (under $300M) undercapitalized (capital-asset ratio
ISSN:0022-2879
1538-4616
DOI:10.2307/2601095