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The Third Pillar of the Basel Accord: Evidence of borrower discipline in the Kyrgyz banking system
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Type
Academic journal
Author
Edgar Demetrio Tovar-García (National Research University Higher School of Economics) RuslanaKozubekova (National Research University Higher School of Economics)
Journal
한양대학교 아태지역연구센터 Journal of Eurasian Studies Journal of Eurasian Studies 제7권 제2호 KCI Accredited Journals
Published
2016.7
Pages
195 - 204 (10page)

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The Third Pillar of the Basel Accord: Evidence of borrower discipline in the Kyrgyz banking system
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Abstract· Keywords

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We empirically study the asset side of market discipline in the banking system of the Kyrgyz Republic, examining whether borrowers are willing to pay higher interest rates to high-quality banks. Based on dynamic panel models and a dataset with bank information from 23 banks over the period 2010?2012, our findings suggest the presence of market discipline induced by borrowers. In other words, banks with higher capital ratios and liquidity charge higher interest rates on loans. This result has several implications for the banking policy in Kyrgyzstan, where we can recommend to policymakers a disclosure policy following the Third Pillar of Basel III, because not only can the bank's creditors use bank information to penalize the excessive bank risk, but borrowers can also use this information to discipline their banks.
#Basel accord #market discipline #loan market #bank risk #Kyrgyzstan

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References (39)

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Allen, F. / 2011 / Credit market competition and capital regulation / Review of Financial Studies 24(4):983~1018 Crossref Arellano, M. / 1991 / Some tests of specification for panel data: Monte Carlo evidence and an application to employment equations / The Review of Economic Studies 58(2):277~297 Asian Development Bank, International Monetary Fund / The Kyrgyz Republic. Joint economic assessment: Reconciliation, recovery and reconstruction google schola James R. Barth / 2013 / Bank regulation and supervision in 180 countries from 1999 to 2011 / Journal of Financial Economic Policy 5(2):111~219 Crossref Basel Committee on Banking Supervision / International convergence of capital measurement and capital standards: A revised framework comprehensive version google schola

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