Bank Stability Under Global Risk Uncertainty: The Interplay of Internal Characteristics and External Regulatory Environment
グローバルな不確実性下での銀行の安定性：内部特性と外部規制環境の相互作用 (AI 翻訳)
Erfan Rachmadi, Bowo Setiyono, B Saktiawan, Muizzuddin Muizzuddin
🤖 gxceed AI 要約
日本語
本研究は、2011年から2022年までの40カ国604行のパネルデータを用いて、地政学的リスクと気候リスクが銀行の安定性に与える影響を分析。固定効果と差分GMMによる推定から、両リスクが銀行安定性を悪化させることが示された。規制強化は「コンプライアンスのパラドックス」を生み、気候対応準備と安定性を低下させる。資本バッファーは有効だが、効率性は二面的な役割を果たす。地域・セクター・銀行特性により結果は異なり、特にアジア・アフリカ・オーストラリアで規制枠組みのバランスが重要。
English
This study uses panel data from 604 banks across 40 countries (2011-2022) to examine the impact of geopolitical and climate uncertainty on bank stability. Fixed effects and difference GMM estimations reveal that both risks adversely affect stability. Regulatory tightening creates a 'compliance paradox' reducing climate readiness and stability. Capital buffers help, but efficiency plays a dual role. Outcomes vary by region, sector, and bank characteristics, highlighting the need for balanced regulatory frameworks, especially in Asia, Africa, and Australia.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
本論文は気候リスクが銀行安定性に与える影響を国際比較で分析しており、日本においても気候変動が金融システムに及ぼすリスクを考える上で参考になる。ただし、日本の規制環境や銀行特性に特化した分析ではないため、直接的な示唆は限定的。
In the global GX context
This paper adds to the global literature on climate risk and financial stability, providing cross-country evidence on the trade-offs between regulatory stringency and climate readiness. It underscores the importance of balanced frameworks, relevant for global debates on climate regulation of banks.
👥 読者別の含意
🔬研究者:The study offers a robust empirical model linking climate uncertainty to bank stability, useful for researchers in climate finance and financial regulation.
🏢実務担当者:Banks can use the findings to calibrate capital buffers and efficiency strategies in the face of climate and geopolitical risks, while being aware of the compliance paradox.
🏛政策担当者:Policymakers should note the regulatory compliance paradox and the need for region-specific balanced frameworks to enhance both stability and climate readiness.
📄 Abstract（原文）
This study examines the impact of global political and climate uncertainty on bank stability, utilizing panel data from 604 banks across 40 countries during the period 2011–2022. Through fixed effects and difference GMM methodologies, the analysis reveals that both geopolitical and climate risks adversely affect bank stability. Notably, tightening governance creates a ‘regulatory compliance paradox’ which leads to lower climate readiness and bank stability. We also identified that capital buffers matter in enhancing bank readiness to face geopolitical and climate uncertainty. However, efficiency plays a dual role. In times of geopolitical risk, it is necessary, but we also can’t achieve optimal climate readiness without incurring high costs. Outcomes differ across regions, sectors, and bank characteristics, underscoring the necessity for balanced regulatory frameworks, particularly within Asia, Africa, and Australia. It is recommended that policymakers collaborate closely with financial institutions to align environmental regulations effectively.
🔗 Provenance — このレコードを発見したソース
- openalex https://doi.org/10.59091/2460-9196.2816first seen 2026-07-17 04:51:17
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