Maria Banks's Books

Bank Ownership

Trends and Implications

By: Robert Cull,Mr.Maria Soledad Martinez Peria,Jeanne Verrier

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Bank Ownership

Trends and Implications

By: Robert Cull,Mr.Maria Soledad Martinez Peria,Jeanne Verrier

This paper presents recent trends in bank ownership across countries and summarizes the evidence regarding the implications of bank ownership structure for bank performance and competition, financial stability, and access to finance. The evidence reviewed suggests that foreign-owned banks are more efficient than domestic banks in developing countries, promote competition in host banking sectors, and help stabilize credit when host countries face idiosyncratic shocks. But there are tradeoffs, since foreign-owned banks can transmit external shocks and might not always expand access to credit. The record on the impact of government bank ownership suggests few benefits, especially for developing countries.

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International Monetary Fund

Published Date

ISBN 10

1475588127

ISBN 13

9781475588125

Trade-offs in Bank Resolution

By: Mr.Giovanni Dell'Ariccia,Mr.Maria Soledad Martinez Peria,Ms.Deniz O Igan,Elsie Addo Awadzi,Marc Dobler,Mr.Damiano Sandri

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Trade-offs in Bank Resolution

By: Mr.Giovanni Dell'Ariccia,Mr.Maria Soledad Martinez Peria,Ms.Deniz O Igan,Elsie Addo Awadzi,Marc Dobler,Mr.Damiano Sandri

This SDN revisits the debate on bank resolution regimes, first by presenting a simple model of bank insolvency that transparently describes the trade-off involved between bail-outs, bail-ins, and larger capital buffers. The note then looks for empirical evidence to assess the moral hazard consequences of bail-outs and the systemic spillovers from bail-ins.

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International Monetary Fund

Published Date

ISBN 10

1484341007

ISBN 13

9781484341001

The Effects of Higher Bank Capital Requirements on Credit in Peru

By: Xiang Fang,David Jutrsa,Mr.Maria Soledad Martinez Peria,Andrea Presbitero,Mr.Lev Ratnovski,Mr.Felix J Vardy

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The Effects of Higher Bank Capital Requirements on Credit in Peru

By: Xiang Fang,David Jutrsa,Mr.Maria Soledad Martinez Peria,Andrea Presbitero,Mr.Lev Ratnovski,Mr.Felix J Vardy

This paper offers novel evidence on the impact of raising bank capital requirements in the context of an emerging market: Peru. Using quarterly bank-level data and exploiting the adoption of bank-specific capital buffers, we find that higher capital requirements have a short-lived, negative impact on bank credit in Peru, although this effect becomes statistically insignificant in about half a year. This finding is robust to estimating different specifications to address concerns about the exogeneity of capital requirements. The fact that the reform was gradual and pre-announced and that banks were highly profitable at the time could explain the short-lived effects on credit.

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International Monetary Fund

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ISBN 10

1484378830

ISBN 13

9781484378830

Casting Light on Central Bank Digital Currencies

By: Mr.Tommaso Mancini Griffoli,Mr.Maria Soledad Martinez Peria,Mr.Itai Agur,Mr.Anil Ari,Mr.John Kiff,Ms.Adina Popescu,Ms.Celine Rochon

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Casting Light on Central Bank Digital Currencies

By: Mr.Tommaso Mancini Griffoli,Mr.Maria Soledad Martinez Peria,Mr.Itai Agur,Mr.Anil Ari,Mr.John Kiff,Ms.Adina Popescu,Ms.Celine Rochon

Digitalization is reshaping economic activity, shrinking the role of cash, and spurring new digital forms of money. Central banks have been pondering wheter and how to adapt. One possibility is central bank digital currency (CBDC)-- a widely accessible digital form of fiat money that could be legal tender. This discussion note proposes a conceptual framework to assess the case for CBDC adoption from the perspective of users and central banks. It discusses possible CBDC designs, and explores potential benefits and costs, with a focus on the impact on monetary policy, financial stability, and integrity. This note also surveys research and pilot studies on CBDC by central banks around the world.

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International Monetary Fund

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ISBN 10

1484393600

ISBN 13

9781484393604

Foreign Bank Subsidiaries’ Default Risk during the Global Crisis

What Factors Help Insulate Affiliates from their Parents?

By: Deniz Anginer,Mr.Eugenio M Cerutti,Mr.Maria Soledad Martinez Peria

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Foreign Bank Subsidiaries’ Default Risk during the Global Crisis

What Factors Help Insulate Affiliates from their Parents?

By: Deniz Anginer,Mr.Eugenio M Cerutti,Mr.Maria Soledad Martinez Peria

This paper examines the association between the default risk of foreign bank subsidiaries in developing countries and their parents during the global financial crisis, with the purpose of determining the size and sign of this correlation and, more importantly, understanding what factors can help insulate affiliates from their parents. We find evidence of a significant and robust positive correlation between parent banks’ and foreign subsidiaries’ default risk. This correlation is lower for subsidiaries that have a higher share of retail deposit funding and that are more independently managed from their parents. Host country bank regulations also influence the extent to which shocks to the parents affect the subsidiaries’ default risk. In particular, the correlation between the default risk of subsidiaries and their parents is lower for subsidiaries operating in countries that impose higher capital, reserve, provisioning, and disclosure requirements, and tougher restrictions on bank activities.

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International Monetary Fund

Published Date

ISBN 10

1475535414

ISBN 13

9781475535419

The Role of Supervisory tools in Addressing Bank Borrowers' Currency Mismatches

By: Maria del Mar Cacha,Mr.Armando Méndez Morales

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The Role of Supervisory tools in Addressing Bank Borrowers' Currency Mismatches

By: Maria del Mar Cacha,Mr.Armando Méndez Morales

Bank borrowers' currency mismatches often result from unhedged foreign currency borrowing in economies where there is significant dollarization, exposing the financial sector to disguised credit risk. In the absence of standard tools or guidelines to counteract this risk, countries have resorted to outright regulatory limits in cases of moderate dollarization and to undesirable exchange controls in other cases. This paper proposes a "specific-to-group" provision rule based on the effective borrowing cost differential between domestic and foreign currency. Such a rule would help internalize the corresponding risks for banks and their borrowers in line with internationally accepted prudential and accounting standards.

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International Monetary Fund

Published Date

ISBN 10

1451875193

ISBN 13

9781451875195

What Policy Combinations Worked? The Effect of Policy Packages on Bank Lending During COVID-19

By: Mr. Divya Kirti,Mr. Maria Soledad Martinez Peria,Ms. Prachi Mishra,Jan Strasky

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What Policy Combinations Worked? The Effect of Policy Packages on Bank Lending During COVID-19

By: Mr. Divya Kirti,Mr. Maria Soledad Martinez Peria,Ms. Prachi Mishra,Jan Strasky

This paper analyzes the impact of fiscal, monetary, and prudential policies during the COVID-19 pandemic on bank lending across a broad sample of countries. We combine a comprehensive announcementlevel dataset of policy actions with bank and firm-level information to analyze the effectiveness of different types of policies. We document that different types of policies were introduced together and hence accounting for policy combinations, or packages, is crucial. Lending grew faster at banks in countries that announced packages combining fiscal, monetary, and prudential measures relative to those that relied on some, but not all, policy dimensions. Within packages including all three types of policy measures, banks in countries with more and larger measures saw faster loan growth. The impact was larger among more constrained banks with low equity levels. Large packages combining fiscal, monetary and prudential policies also increased liquidity for bank dependent firms, but did not disproportionately benefit unviable firms.

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International Monetary Fund

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ISBN 13

9798400233913

The Incomplete Currency

The Future of the Euro and Solutions for the Eurozone

By: Marcello Minenna,Giovanna Maria Boi,Paolo Verzella

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The Incomplete Currency

The Future of the Euro and Solutions for the Eurozone

By: Marcello Minenna,Giovanna Maria Boi,Paolo Verzella

A fact-based treatise on the Eurozone crisis, with analysis of possible solutions The Incomplete Currency is the only technical — yet accessible — analysis of the current Eurozone crisis from a global perspective. The discussion begins by explaining how the Euro's architecture, the relationship between finance and the real economy, and the functioning of the Eurosystem in general are all at the root of the current crisis, and then explores possible solutions rooted in fact, not theory. All topics are analysed and illustrated, making extensive use of examples, tables, and graphics, and the ideas presented are supported by data sets and their statistical elaborations throughout the book. An extensive digital component includes numerical simulations of public debt dynamics for different Eurozone countries, evaluations of the sustainability of programmes like the Fiscal Compact, and stress tests on the ability of institutions like the ESM to cope with major liquidity crises, and the spreadsheets used to calculate data in the book is provided for readers to access for themselves. The survival of the European monetary union has been questioned due to the accumulation of structural imbalances and the negative effects of the global financial crisis. This book lays out the full extent of the problem, explains what caused it, and provides possible solutions backed by extensive data. Dig down to the root of the Eurozone crisis Learn why austerity doesn't fix anything Understand how the Euro has changed economies Consider possible strategies for recovery In a macroeconomic context where the monetary policy is the prerogative of the European Central Bank and fiscal policy, hopeless austerity works against the economic recovery of the Eurozone countries. A positive attitude is difficult, but necessary. The Incomplete Currency is an insightful, important resource that guides readers toward real solutions.

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552

Publisher

John Wiley & Sons

Published Date

ISBN 10

1119019095

ISBN 13

9781119019091

Regulating Spanish Banking, 1939–1975

By: Maria Angeles Pons Brias

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Regulating Spanish Banking, 1939–1975

By: Maria Angeles Pons Brias

Banking regulation has been the subject of intense debate in recent years. This book contributes to that debate in its study of the impact of financial regulation on Spanish banking performance, especially profitability, from the end of the Spanish Civil War to the end of the Franco regime. Maria Pons discusses the Francoist authorities' policy of forced industrialization based on heavy industry, and the huge interventionist apparatus that it set up to involve banks in its industrialistic programme. This included several items of banking legislation related to the fixing of interest rates, the expansion of the sector, mergers and so forth. Pons explains the emergence of this regulatory framework and its development to the mid-1970s, as well as examining in detail the response of the Spanish banks to these regulations, and their attempts to take advantage of the opportunities they offered to reduce competition and uncertainty. The book also analyzes the 1962 reforms and subsequent legizlation and the lack of success they had in reducing public intervention in the banking sector.

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166

Publisher

Routledge

Published Date

ISBN 10

135190535X

ISBN 13

9781351905350

Terminology

Theory, Methods, and Applications

By: Maria Teresa Cabré

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Terminology

Theory, Methods, and Applications

By: Maria Teresa Cabré

Beginning with an overview of terminology, this work goes on to discuss the interdisciplinary nature of the field, the foundations of terminology, terminography, computerized terminology, terminology and standardization, and the role of terminologists in a language service,

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264

Publisher

John Benjamins Publishing

Published Date

ISBN 10

9027216347

ISBN 13

9789027216342

The Executive Guide to Blockchain

Using Smart Contracts and Digital Currencies in your Business

By: Maria Grazia Vigliotti,Haydn Jones

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The Executive Guide to Blockchain

Using Smart Contracts and Digital Currencies in your Business

By: Maria Grazia Vigliotti,Haydn Jones

Keeping up with fast evolving technology is a challenge that every business leader faces. As organisations start to wake up to the Fourth Industrial Revolution, it’s becoming more important than ever to be able to utilise and exploit new digital platforms. With the simple aim of demystifying blockchain for business leaders, The Executive Guide to Blockchain offers a jargon-free explanation and framework to better understand blockchain technologies and their impact on organizations. Enabling any business leader with or without specific computing knowledge to reap the benefits of blockchain whilst understanding the limitations, this book will empower you to: Identify opportunities for blockchain in your own business sectors Understand smart contracts and their relationship with the law Create a blockchain strategy and business case Implement blockchain technologies and maximise their potential. Written by experts in non-technical language, this practical resource can be applied to any industry, and arm you with the knowledge needed to capture the possibilities of digital business.

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210

Publisher

Springer Nature

Published Date

ISBN 10

303021107X

ISBN 13

9783030211073

Financing the Green Transformation

How to Make Green Finance Work in Indonesia

By: U. Volz,Judith Böhnke,Laura Knierim,Katharina Richert,Greta-Maria Roeber,Vanessa Eidt

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Financing the Green Transformation

How to Make Green Finance Work in Indonesia

By: U. Volz,Judith Böhnke,Laura Knierim,Katharina Richert,Greta-Maria Roeber,Vanessa Eidt

Explores challenges for developing and emerging economies for enhancing green financing for sustainable, low-carbon investment, looking at Indonesia. Based on surveys in the Indonesian banking and corporate sectors and expert interviews, it devises innovative policy recommendations to develop a framework conducive to fostering green investments.

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174

Publisher

Springer

Published Date

ISBN 10

1137486120

ISBN 13

9781137486127

Organizations, Individualism, and Economic Theory

By: Maria Brouwer

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Organizations, Individualism, and Economic Theory

By: Maria Brouwer

In a bold departure from standard economic thinking, this book argues that twentieth century economic theory has marginalized individualism and organizational variety, and puts forward the case for a pluralist approach.

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289

Publisher

Routledge

Published Date

ISBN 10

0415699770

ISBN 13

9780415699778

The New Bail-In Legislation

An Analysis of European Banking Resolution

By: Angela Maria Maddaloni,Giulia Scardozzi

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The New Bail-In Legislation

An Analysis of European Banking Resolution

By: Angela Maria Maddaloni,Giulia Scardozzi

Financial stability is a pillar of well-functioning financial markets. After the last financial crisis, European policymakers harmonised banking regulation and revised the framework of banking resolution. The introduction of the bail-in legislation is a natural experiment to improve the understanding of banking resolution and how it affected the funding strategies of banks. This book assesses whether financial stability has been strengthened by the change in banks’ resolution policy with a focus on the bail-in. The book shows how banks changed their funding strategies, shrank their balance-sheets and relied more on deposits. The book will discuss inter-alia the mis-selling of bonds, which happened during 2012-2013, analysing whether the bond allocation changed after the bail-in launch. It discusses how the bail-in mechanism was deemed credible by equity holders and argues that the European case would have useful implications for third countries. Finally, the book relates this discussion to the possible collateral effects generated by the new resolution policy during and after the COVID-19 crisis, which will be of particular interest to researchers and policymakers in banking and financial institutions.

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Springer Nature

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ISBN 10

3030875601

ISBN 13

9783030875602

Insolvency Prospects Among Small-and-Medium-Sized Enterprises in Advanced Economies

Assessment and Policy Options

By: Mr.Federico J Diez,Mr.Romain A Duval,Jiayue Fan,José Garrido,Sebnem Kalemli-Ozcan,Chiara Maggi,Ms.Maria Soledad Martinez Peria,Mr.Nicola Pierri

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Insolvency Prospects Among Small-and-Medium-Sized Enterprises in Advanced Economies

Assessment and Policy Options

By: Mr.Federico J Diez,Mr.Romain A Duval,Jiayue Fan,José Garrido,Sebnem Kalemli-Ozcan,Chiara Maggi,Ms.Maria Soledad Martinez Peria,Mr.Nicola Pierri

The COVID-19 pandemic has increased insolvency risks, especially among small and medium enterprises (SMEs), which are vastly overrepresented in hard-hit sectors. Without government intervention, even firms that are viable a priori could end up being liquidated—particularly in sectors characterized by labor-intensive technologies, threatening both macroeconomic and social stability. This staff discussion note assesses the impact of the pandemic on SME insolvency risks and policy options to address them. It quantifies the impact of weaker aggregate demand, changes in sectoral consumption patterns, and lockdowns on firm balance sheets and estimates the impact of a range of policy options, for a large sample of SMEs in (mostly) advanced economies.

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International Monetary Fund

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ISBN 10

1513574566

ISBN 13

9781513574561

Pluralist Readings in Economics: Key Concepts and Policy Tools for the 21st Century

By: Maria Alejandra Madi

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Pluralist Readings in Economics: Key Concepts and Policy Tools for the 21st Century

By: Maria Alejandra Madi

The era of globalization has brought about unprecedented social, political, and environmental challenges for policy makers around the world due to the global impact of economic decisions. In view of these challenges, economics, as a discipline, needs to be taught with the goal of broadening the dialogue on social responsibility, and developing a new pluralist culture of decision making which is inclusive to different schools of economic thought. Pluralist Readings in Economics: Key-concepts and policy tools for the 21st century highlights the long-standing debates regarding economic systems, business models, criteria of justice, and economic policies by providing conceptual openings to economic theory in an engaging and accessible way. The author provides broad coverage of relevant topics through the selection of influential economic thinkers and introduces the reader to their ideas, context, and relevant interpretations. While dealing with complex problems, the author goes beyond commonly known concepts by presenting questions on the historical context of globalization. The study of economic concepts in this way leads to asking new questions concerning various issues relevant to economics. The goal of the text is to provide an interdisciplinary perspective to readers in order to equip them with information that is key to address global economic challenges. Thus, this pluralist approach calls for a reflection of the evolution of global social and economic conditions to demonstrate problem solving approaches that align with the goal of addressing these challenges. Pluralist Readings in Economics: Key-concepts and policy tools for the 21st century is suitable to a broad interdisciplinary readership as it will benefit all those who seek to better understand the complex stakes of the capitalist system, in the tensions between regulatory policies, free market equilibria, and participatory openings in governance. This introductory work also prepares the reader for debates and discussion in economic theory aimed at shaping policy transformations towards a more equitable, just and sustainable world.

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Page Count

180

Publisher

Bentham Science Publishers

Published Date

ISBN 10

1681085062

ISBN 13

9781681085067

Strengthening Monetary Policy Frameworks in the Caucasus and Central Asia

By: Mr. Tigran Poghosyan,Klakow Akepanidtaworn,Maria Atamanchuk,Ezequiel Cabezon,Mr. Selim Cakir,Mr. Vahid Khatami,Ms. Filiz D Unsal,Mariarosaria Comunale,Mrs. Marina Conesa Martinez,Omer Faruk Akbal

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Strengthening Monetary Policy Frameworks in the Caucasus and Central Asia

By: Mr. Tigran Poghosyan,Klakow Akepanidtaworn,Maria Atamanchuk,Ezequiel Cabezon,Mr. Selim Cakir,Mr. Vahid Khatami,Ms. Filiz D Unsal,Mariarosaria Comunale,Mrs. Marina Conesa Martinez,Omer Faruk Akbal

Amidst a global backdrop of persistent post-COVID inflation and spillovers from Russia’s war in Ukraine, the countries of the Caucasus and Central Asia (CCA) region have faced strong price pressures in recent years. Inflation is estimated to have peaked in early 2023, but still exceeds central bank targets. In particular, core inflation remains stubbornly high reflecting a combination of second-round effects, surges in global energy and food prices, and domestic demand pressures. More broadly, uncertainty and downside risks also weigh on the economic outlook, including due to regional tensions, financial turmoil related to international monetary policy normalization, and a growth slowdown in key trading partners. In this context, CCA countries’ ability to contain inflationary pressures and anchor inflation expectations hinges on the credibility and effectiveness of their monetary policy frameworks. Since gaining independence in the 1990s, countries in the CCA region have made considerable progress in modernizing their monetary policy frameworks. CCA central banks have strengthened their legal frameworks and established broad de-jure independence. Armenia, Georgia, Kazakhstan, the Kyrgyz Republic, and Uzbekistan are transitioning to inflation targeting regimes, while the central banks of Azerbaijan, Tajikistan, and Turkmenistan rely on the exchange rate as an operational target. However, the post-COVID surge in inflation has highlighted the limitations of current frameworks and triggered a fresh policy debate on the need to strengthen monetary policy effectiveness in the CCA. This paper reviews the CCA region’s monetary policy landscape, highlights challenges in monetary policy design and implementation, and identifies areas that warrant strengthening. It draws on original surveys of country authorities, IMF country teams, and the work by Unsal and others (2022). It uses novel empirical work to analyze monetary policy transmission, the link between foreign exchange interventions and exchange rate dynamics, the drivers of financial de-dollarization, and the effects of central bank communication in the CCA.

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International Monetary Fund

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ISBN 13

9798400240447

Tourism Policy and Planning

Yesterday, Today, and Tomorrow

By: David L Edgell,Maria Delmastro Allen,Ginger Smith,Jason Swanson,David L. Edgell, Sr.,Jason R. Swanson

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Tourism Policy and Planning

Yesterday, Today, and Tomorrow

By: David L Edgell,Maria Delmastro Allen,Ginger Smith,Jason Swanson,David L. Edgell, Sr.,Jason R. Swanson

The wellspring to the future global growth in tourism is a commitment toward good policy and strategic planning. Tourism Policy and Planning: Yesterday, Today, and Tomorrow offers an introduction to the tourism policy process and how policies link to the strategic tourism planning function as well as influence planning at the local, national, and international level. This third edition has been fully revised and updated to reflect the many important developments in the travel and tourism industry and subsequent new policies and present planning process issues. The third edition features: A new chapter on policies regarding terrorism and its impact on tourism. New and updated content on managing sustainable tourism, obstacles and barriers to international travel, and strategic tourism planning. New case studies based on established and emerging markets throughout to illustrate real-life applications of planning and policy at the international, regional, national, and local level. New end of chapter summary and review questions to consolidate student learning. Accessible and up to date, Tourism Policy and Planning is essential reading for all tourism students.

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Page Count

394

Publisher

Routledge

Published Date

ISBN 10

1351033522

ISBN 13

9781351033527

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