We examine the likely competitive effects of the proposed
implementation of the Basel II capital requirements on banks in the
market for credit to SMEs in the U.S. Specifically, we address
whether reduced risk weights for SME credits extended by large
banking organizations that adopt the Advanced Internal
Ratings-Based (A-IRB) approach of Basel II might significantly
adversely affect the competitive positions of organizations that do
not adopt A-IRB. The analyses suggest only a relatively minor
competitive effect on the majority of community banks primarily
because the organizations that are likely to adopt A-IRB tend to
make very different types of SME loans to different types of
borrowers than community banks. However, the analyses suggest the
possibility of significant adverse effects on the competitive
positions of large banking organizations that do not adopt A-IRB
because the data do not suggest any strong segmentation in SME
credit markets among large organizations.
General
Imprint: |
Bibliogov
|
Country of origin: |
United States |
Release date: |
February 2013 |
First published: |
February 2013 |
Authors: |
Allen N. Berger
|
Dimensions: |
246 x 189 x 3mm (L x W x T) |
Format: |
Paperback - Trade
|
Pages: |
52 |
ISBN-13: |
978-1-288-71333-2 |
Categories: |
Books >
Social sciences >
Politics & government >
General
|
LSN: |
1-288-71333-9 |
Barcode: |
9781288713332 |
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