Discussion Paper

Nonbanks Are Growing but Their Growth Is Heavily Supported by Banks


Abstract: Traditional approaches to financial sector regulation view banks and nonbank financial institutions (NBFIs) as substitutes, one inside and the other outside the perimeter of prudential regulation, with the growth of one implying the shrinking of the other. In this post, we argue instead that banks and NBFIs are better described as intimately interconnected, with NBFIs being especially dependent on banks both for term loans and lines of credit.

Keywords: non-bank financial intermediaries; funding; credit lines;

JEL Classification: G01; G21; G23; G28;

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Bibliographic Information

Provider: Federal Reserve Bank of New York

Part of Series: Liberty Street Economics

Publication Date: 2024-06-17

Number: 20240617