Banking stability, regulation, efficiency

Banks sit at the center of modern economies, channeling savings into loans, absorbing shocks, and transmitting monetary policy decisions into everyday borrowing costs. Researchers in this area examine how financial institutions manage liquidity and credit risk, how regulatory frameworks shape incentives for lending and risk-taking, and how failures or stress in individual banks can cascade into broader systemic crises. A persistent tension in the literature concerns whether tighter regulation reliably makes the system safer without meaningfully reducing credit access for smaller businesses and households. Active debates also surround how banks respond to unconventional monetary policy, and whether current tools are sufficient to contain systemic risk in an increasingly interconnected global financial system.

Works

169,013

Total citations

1,876,991

Keywords

BankingFinanceLiquidityCreditRegulationSystemic Risk