Bibliographic record
Abstract
Due to the profound influence of banking crisis on economic growth, the capital adequacy has been closely concerned by financial authorities in many nations. Thanks to globalization of business, the financing environment has improved. Therefore, a number of restrictions on banking sectors has been not as tough as once were. However, the requirements on capital adequacy have been stricter than ever. Yet the behavior adjustment of banking sectors and its effects on every aspects of national economy still provokes controversy. As various theories and abundant evidences indicate --- the implementation of Basel Agreement would lead to social credit crunch due to the fact that national commercial banks reduce credit transaction in order to meet the requirement of capital regulation(8%), which would negatively affect the stability of macro-economy. This thesis intents to answer, via theoretical analysis and demonstration in banking system of Hubei Province, the question of potential adjustment and shrinking effects after implanting Capital Regulation of Commercial Banks. We believe since the implementing of new principle in 2004, each bank has adjusted their gross and structure of credit. The effect of credit crunch is mainly seen by the impacts on small and middle sized enterprises. Key words: capital adequacy, risk-taking incentives, credit crunch Resume: En raison de l’influence profonde de la crise bancaire sur la croissance economique, les autorites financieres de beaucoup de pays pretent une grande attention a la suffisance du capital. Grâce a la globalisation du commerce, l’environnment financier s’est ameliore. Donc, de nombreuses restrictions dans le secteur bancaire ne sont plus aussi dures qu’elles etaient autrefois. Cependant, l’exigence de la suffisance du capital est plus stricte qu’auparavant. L’ajustement du secteur bancaire et son influence sur tous les aspects de l’economie nationale provoquent quant meme des controverses. De diverses theories et des preuves abondantes indiquent que l’application de Basel Agreement pourrait conduire au resserrement de credit du au fait que les banques commerciales reduisent leur offre de credit afin de repondre a la demande de la regulation du capital(8%), ce qui pourrait affecter negativement la stabilite de la macro-economie. L’essai present tente de repondre, par le biais de l’analyse theorique et la demonstration du systeme bancaire de la province du Hubei, a la question de l’ajustement potentiel et des effets diminutifs apres la mise en oeuvre de la Regulation du Capital des Banques Commerciales. Nous croyont, depuis la mise en application du nouveau principe en 2004, chaque banque a ajuste leur total et structure du credit. Les effets du resserrement de credit se voient principalement dans ses influences sur les petites et moyennes entreprises. Mots-Cles: suffisance du capital, motivation de la prise de risque, resserrement de credit
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.006 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.002 |
| Scholarly communication | 0.003 | 0.001 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.005 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".