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                           اقتصاد:: 
                            سرمایه مبتنی بر ریسک
                        
                        Risk-based capital re- quirements induce banks to reduce bank lending which is one of  the risky activities of banks (Thakor, 1996).
All  banks  report  their  risk-based  capital  from  1996:Q1.
state unemployment rate and real state income growth rate, bond yield spreads and the treasury bill  rate  as  macroeconomic  fac-  tors to investigate the link between risk-based capital and lend-   ing behaviour of U.S. banks.
Did risk-based capital  allocate  bank  credit  and  cause a "Credit Crunch" in the United States?
 
                        
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