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The Effects of the Capital Adequacy and Liquidity Regulation on Internet Primary Banks
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인터넷전문은행의 자본적정성과 유동성 규제에 관한 연구

논문 기본 정보

Type
Academic journal
Author
Journal
인문사회과학기술융합학회 예술인문사회 융합 멀티미디어 논문지 예술인문사회 융합 멀티미디어 논문지 제9권 제6호
Published
2019.1
Pages
773 - 782 (10page)

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The Effects of the Capital Adequacy and Liquidity Regulation on Internet Primary Banks
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Abstract· Keywords

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Basel III (Third Basel Accord or Basel Standards) is a global, voluntary regulatory framework on bank capital adequacy, stress testing, and market liquidity risk. Basel III regulatory ratios include capital adequacy, asset soundness, and liquidity. The capital adequacy variables include BIS capital adequacy ratio, BIS tier 1 capital ratio, and tangible common equity ratio. The asset soundness variables include non-performing loan ratio and non-performing loan coverage ratio. The liquidity regulation variables include KRW liquidity coverage ratio and foreign currency liquidity coverage ratio. This study aims to investigate how capital adequacy standard affects efficiency of internet primary banks. As a result of this study, BIS capital adequacy ratio of domestic internet primary banks is lower than that of commercial banks. In order to maintain sustainable operation considering capital adequacy regulations, it is necessary to expand additional capital. In addition, the delinquency rate and non-performing loan ratio of domestic internet primary banks is gradually increasing due to the maturity of high-yield loans in 2019.
#Basel III #Capital Adequacy #Asset Soundness #Liquidity Regulation #Internet Primary Banks

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G. E. Chortareas / 2012 / Bank Supervision, Regulation, and Efficiency Evidence from the European Union / Journal of Financial Stability 8:292~302 google schola O. Havrylchyk / 2006 / Efficiency of the Polish Banking Industry Foreign Versus Domestic Banks / Journal of Banking & Finance 30:1975~1996 google schola J. R. Barth / 2004 / Bank Regulation and Supervision What Works Best? / Journal of Financial Intermediation 13:205~248 google schola G. Gorton / 1995 / Corporate Control, Portfolio Choice, and the Decline of Banking / Journal of Finance 50(5):1377~1420 google schola J. P. Hughes / 1998 / Bank Capitalization and Cost Evidence of Scale Economics in Risk Management and Signaling / Review of Economics & Statistics 80(2):314~325 google schola

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