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Analyse économique de la régulation bancaire
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1 Asymétries d'information et régulation bancaire
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1.1- Le filet de sécurité public : assurance des dépôts et fonds de garantie
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1.2- Limitation des risques et exigences en fonds propres
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1.3- La supervision bancaire : agrément et contrôle
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1.4- L'évaluation du contrôle interne des risques
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1.7- Restrictions de concurrence
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()$)*++,-Judy's capacity to pay the loan is pretty tight. Total monthly income equals
$5,000. Total monthly debt equals $3,268. The winter months are very slow for the bookstore.
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()$)*++,-The loan to value is good at $75,000/$110,000 = 68%. However, in the
event the bank would need to liquidate the assets to cover the loan, the assets of the bookstore are
specialized and are not considered very marketable. This of course is the worst case scenario.
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()$)*++,-The bookstore appears to be making money except during the slow winter
months. It appears to be able to compensate for that time.
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()$)*++,-Judy's net worth equals her assets of $200,000 minus her liabilities of
$118,000. Net worth is $82,000. The repayment source for the loan is the income from the bookstore, which
is not considered highly regular. However, Judy has a consistent payment history.
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()$)*++,-Judy seems willing to work and keep the business running. Even though
December and January were difficult months, Judy pulled through with her payments and got herself
current again.
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