Raising Capital or Improving Risk Management and Efficiency?

This book analyses the raising of capital imposed by regulatory and supervisory constraints for the soundness and survival of banks in Europe, highlighting critical issues. Accordingly, the text examines the improvement of risk management and efficiency operated by individual banks as the main driver for reinforcing bank resilience and survival. The investigation is carried out essentially through study of risk management, efficiency, capital constraints, bank regulation and supervision in Europe, monetary policy and economic growth in Europe, capital raising in European banks, bank regulation and supervision in the USA, raising of capital or improvement of risk management and efficiency as the final issue.
Raising capital by regulatory and supervisory constraints meets solvency requirements at a given time. In contrast, improving risk management and efficiency allows banks to create the best structural premises for reducing costs,increasing revenue and profits and capital level, contributing to the solvency and survival of banks.

Addresses capital constraints by regulatory and supervisory authorities for the soundness of the European banking system, highlighting critical issues Examines the improvement of risk management and efficiency as the main driver for reinforcing bank resilience and survival Considers critically the relevance of these factors to the solvency and survival of banks

Autorentext
Fabiano Colombini is Full Professor of Economics of Financial Institutions and Markets at the University of Pisa, Italy. He is author of many books and many publications on scientific journals in Italian and in English.

Inhalt

1. Introduction.- 2. Risk management and banking business in Europe.- 3. Credit risk management and banking business in Europe.- 4. Banking efficiency in Europe.- 5. Capital constraints by regulation in Europe.- 6. Capital constraints by supervision in Europe.- 7. Bank regulation and supervision in Europe.- 8. Monetary policy, bank supervisory policy and economic growth in Europe.- 9. Capital raising in European banks.- 10. Banking regulation and supervision in the USA.- 11. Raising capital or improving risk management and efficiency in Europe?. <p