Banking stability, regulation, efficiency

Banks sit at the center of economic life, channeling savings into loans, transmitting monetary policy, and—when things go wrong—amplifying shocks across entire economies. Researchers study how capital and liquidity requirements shape a bank's willingness to lend, how regulatory design can reduce systemic risk without blunting credit flows to households and small businesses, and how crises propagate through interconnected financial networks. A persistent tension runs through the work: tighter regulation makes individual institutions safer but may restrict the credit that firms and entrepreneurs depend on, and finding the right balance remains genuinely unresolved. Active research is now probing how unconventional monetary policy interacts with bank behavior, whether post-crisis reforms have made the system durably more resilient, and how digital finance and non-bank lenders are reshaping the landscape that regulation was built to govern.

Works

171,423

Total citations

1,889,215

Keywords

BankingFinanceLiquidityCreditRegulationSystemic Risk