文章基本信息

标题：A Note on Bank Default Risk and Delivery Channel Strategy under Deposit Insurance Fund Protection
本地全文：下载
作者：Shi Chen ; Chuen-Ping Chang ; Kevin P. Keh 等
期刊名称：International Journal of Financial Research
印刷版ISSN：1923-4023
电子版ISSN：1923-4031
出版年度：2014
卷号：5
期号：4
页码：p114
语种：English
出版社：Sciedu Press
摘要：Increasing investment in human resource relative to information technology system in retail banking delivery channels increases the optimal bank interest margin and decreases the default risk in the bank’s equity returns during a financial crisis. Raising the regulatory barrier inducing a wealth transfer from shareholders to the Federal Deposit Insurance Corporation reinforces both the effects above. Human resource investment with regulatory deposit insurance fund protection as such make the distressed bank more prudent to risk-taking, thereby contributing to the stability of the banking system.