: It analyzes Basel I, II, and III , explaining how minimum capital ratios (like the Tier 1 leverage ratio) are designed to make banks more resilient but can inadvertently lead to a "credit crunch" [14].
: The mathematical formulas used by regulators to ensure banks hold enough equity against risky assets. 124655
: The author investigates whether the 2008 financial crisis fundamentally changed how capital requirements restrict bank lending. It distinguishes between a "credit crunch" (lack of available funds) and a "capital crunch" (banks limiting loans to meet regulatory capital thresholds) [14]. : It analyzes Basel I, II, and III