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اقتصاد::
سرمایه قانونی
(2013) examined the re- lation between bank regulatory capital and bank liquidity.
They argue that banks reduce their regulatory capital when they have a greater involvement in liquidity creation and are faced with a lower net stable funding ratio.
However, banks usually hold a capital buffer to avoid the penalties associated with a regulatory capital shortfall, and Lindquist (2004) find that a bank's capital buffer is negatively related to the risk of savings banks.
US bank holding companies set target capital ratios signif- icantly higher than the minimum regulatory capital requirements but reduced their target ratios during the period from 1992 to 2006 and became less capitalised prior to the onset of the 2007- 2008 financial crisis (Berger et al.
The size of capital buffers are measured as banks' regulatory capital in ex- cess of the minimum required regulatory capital.
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