Abstract

http://ssrn.com/abstract=869288
 
 

References (85)



 
 

Citations (11)



 


 



The Future of Banking Regulation in Developed Countries: Lessons from and for Europe


H.A. Benink


Erasmus University Rotterdam (EUR) - Rotterdam School of Management (RSM)

George J. Benston


Emory University - Department of Accounting


Financial Markets, Institutions & Instruments, Vol. 14, No. 5, pp. 289-328, December 2005

Abstract:     
If the bank regulatory structure in developed countries, particularly those in the EU (as well as the US), were not changed, considerable private and social costs could be incurred. We first outline the current EU regulatory framework and describe and analyze recent bank crises and failures. Based on this record and on the (beneficial for consumers) changes in EU banking regulation, on new data on bank capital/asset ratios in ten European countries, and on an analysis of market and technological changes, we conclude that the present regulatory structure is unlikely to achieve banking stability in the future. We then propose and describe a regulatory framework that can deal effectively with this situation and show how it would affect EU banks.

Number of Pages in PDF File: 40

Accepted Paper Series


Date posted: January 3, 2006  

Suggested Citation

Benink, H.A. and Benston, George J., The Future of Banking Regulation in Developed Countries: Lessons from and for Europe. Financial Markets, Institutions & Instruments, Vol. 14, No. 5, pp. 289-328, December 2005. Available at SSRN: http://ssrn.com/abstract=869288 or http://dx.doi.org/10.1111/j.0963-8008.2005.00109.x

Contact Information

Harald Benink (Contact Author)
Erasmus University Rotterdam (EUR) - Rotterdam School of Management (RSM) ( email )
P.O. Box 1738
Room T08-21
3000 DR Rotterdam, 3000 DR
Netherlands
George J. Benston
Emory University - Department of Accounting ( email )
Goizueta Business School
1300 Clifton Road
Atlanta, GA 30322
United States
404-727-7831 (Phone)
404-727-5238 (Fax)
Feedback to SSRN


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