@incollection{,
	
					
					
					21FA82AAF823BAEEF7771B20A2392BEF
				,
	author={{Mr. Abdul LatifAlhassan} and {Freeman OwusuBrobbey} and {ABDUL LATIF ALHASSAN} and {University of Ghana Business School, Legon, Ghana}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}13418
}

@book{b0,
	
	
		,
	title={{Credit Risk, Capital Structure And Lending Decisions Of Banks In Ghana}}
		,
	author={{
			MAmidu
		} and {
			RHinson
		}}
		
		
			,
	year={2006. 2006}
			1
		
	

}

@book{b1,
	
	
		,
	title={{Banking in Ghana}}
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	author={{
			TEAnin
		}}
		
			,
	year={2000}
			,
	publisher={Woeli Publishing Services}
		
	

}

@incollection{b2,
	
	
		,
	title={{Are capital buffers pro-cyclical? Evidence from Spanish panel data}}
		,
	author={{
			JAyuso
		} and {
			DPerez
		} and {
			JSaurina
		}}
		
		
	
	
		,
	journal={{Journal of Financial Intermediation}}
		
			13
			
			,
	year={2004}
		
	

}

@incollection{b3,
	
	
		,
	title={{}}
	
	
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	journal={{Banking Law}}
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	editor={P.N.D.C.L. 225}
		
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	year={1989}
		
	

}

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	author={{
			GhanaBank Of
		}}
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	title={{Annual Report and Accounts Accra}}
				
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	year={1992}
		
	

}

@incollection{b5,
	
	
		,
	title={{}}
	
	
		,
	journal={{Bank of Ghana Act}}
		
			612
			,
	year={2002}
		
	

}

@incollection{b6,
	
	
		,
	title={{}}
	
	
		,
	journal={{Banking Act}}
		
			,
	year={2004. Act 673}
		
	

}

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	title={{Econometric Analysis of Panel Data}}
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	author={{
			HBBaltagi
		}}
		
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	year={1995}
			,
	publisher={John Wiley and Sons}
			,
	address={New York}
		
	

}

@incollection{b8,
	
	
		,
	title={{The Credit Crunch}}
		,
	author={{
			BSBernanke
		} and {
			SLCara
		} and {
			MFBenjamin
		}}
		
		
	
	
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	journal={{Brookings Papers on Economic Activity}}
		
			1991
			2
			
			,
	year={1991}
		
	

}

@incollection{b9,
	
	
		,
	title={{Inside the black box: the credit channel of monetary policy transmission}}
		,
	author={{
			BSBernanke
		} and {
			MGertler
		}}
		
	
	
		,
	journal={{Journal of Economic Perspectives}}
		
			9
			
			,
	year={1995}
		
	

}

@incollection{b10,
	
	
		,
	title={{Banks' procyclical behavior: Does provisioning matter?}}
		,
	author={{
			VBouvatier
		} and {
			LLepetit
		}}
		
		from:10.1016/j.intfin.2007.07.004
	
	
		,
	journal={{Journal of International Financial Markets}}
		
			321
			
			,
	year={2007}
		
	
	,
	note={Institutions and Money}

}

@incollection{b11,
	
	
		,
	title={{What determines the composition of banks' loan portfolios? Evidence from transition countries}}
		,
	author={{
			DeHaas
		} and {
			RFerreira
		} and {
			DTaci
		} and {
			A
		}}
		
		
		
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			34
			
			,
	year={2010}
		
	

}

@incollection{b12,
	
	
		,
	title={{Determinants of Bank Long-term Lending Behavior in the Central African Economic and Monetary Community (CEMAC)}}
		,
	author={{
			CPDjiogap
		} and {
			ANgomsi
		}}
		
	
	
		,
	journal={{Review of Economics & Finance}}
		
			
			,
	year={2012. 1923-8401}
		
	

}

@incollection{b13,
	
	
		,
	title={{Simple Forecasts of Bank Loan in the Business Cycle}}
		,
	author={{
			MGambera
		}}
	
	
		,
	journal={{Emerging Issues Series}}
		
			3
			
			,
	year={2000}
		
	

}

@incollection{b14,
	
	
		,
	title={{Financial system and the role of banks in monetary policy transmission in the Euro Area}}
		,
	author={{
			MEhrmann
		} and {
			LGambarcota
		} and {
			JMartinez-Pag`es
		} and {
			PSevestre
		} and {
			AWorms
		}}
		
		
		
		
	
	
		,
	booktitle={{Monetary Policy Transmission in the Euro Area}}
				,
	editor={
			IAngeloni
			AKashyap
			BMojon
		}
		
			,
	publisher={Cambridge University Press}
			,
	year={2003}
		
	

}

@incollection{b15,
	
	
		,
	title={{Does bank capital affect lending behavior?}}
		,
	author={{
			LGambacorta
		} and {
			PEMistrulli
		}}
		
	
	
		,
	journal={{Journal of Financial Intermediation}}
		
			13
			
			,
	year={2004}
		
	

}

@incollection{b16,
	
	
		,
	title={{Bank portfolio allocation: the impact of capital requirements, regulatory. Monitoring and economic conditions}}
		,
	author={{
			CFurfine
		}}
	
	
		,
	journal={{Journal of Financial Services Research}}
		
			20
			
			,
	year={2001}
		
	

}

@incollection{b17,
	
	
		,
	title={{Specification tests in econometrics}}
		,
	author={{
			JAHausman
		}}
	
	
		,
	journal={{Econometrica}}
		
			46
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			,
	year={1978}
		
	

}

@incollection{b18,
	
	
		,
	title={{Ghana: Financial System Stability Assessment Update}}
		No. 11/131
	
	
		,
	journal={{International Monetary Fund}}
		
			,
	year={2011}
		
	
	,
	note={IMF Country Report}

}

@incollection{b19,
	
	
		,
	title={{}}
		,
	author={{
			IKapur
		} and {
			MTHadjimichael
		} and {
			PHilber
		} and {
			PSzymczak
		}}
		
		
		
	
	
		,
	journal={{Ghana: Adjustment and Growth}}
		
			86
			,
	year={1991. 1983-1991. September}
		
	
	,
	note={IMF Occasional Paper}

}

@incollection{b20,
	
	
		,
	title={{The impact of monetary policy on bank balance sheets}}
		,
	author={{
			AKKashyap
		} and {
			JCStein
		}}
		
	
	
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	journal={{Carnerige Rochester Conference Series on Public Policy}}
		
			42
			
			,
	year={1995}
		
	

}

@incollection{b21,
	
	
		,
	title={{What do a million observations on bank say about the transmission of monetary policy}}
		,
	author={{
			AKKashyap
		} and {
			JCStein
		}}
		
	
	
		,
	journal={{The American Economic Review}}
		
			90
			
			,
	year={2000}
		
	

}

@incollection{b22,
	
	
		,
	title={{The cyclical behaviour of European bank capital buffers}}
		,
	author={{
			TJokipii
		} and {
			AMilne
		}}
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			32
			
			,
	year={2008}
		
	

}

@incollection{b23,
	
	
		,
	title={{Determinants of Commercial Banks' Lending Behavior in Nigeria}}
		,
	author={{
			FOOlokoyo
		}}
	
	
		,
	journal={{International Journal of Financial Research}}
		
			2
			2
			
			,
	year={2011}
		
	

}

@incollection{b24,
	
	
		,
	title={{Credit Crunch Caused Investment Slump}}
		,
	author={{
			ThomasSaarenheimo
		}}
	
	
		,
	booktitle={{Bank of Finland Discussion Papers, 6/95}}
				
			,
	year={1995}
			
		
	

}

@incollection{b25,
	
	
		,
	title={{}}
	
	
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	journal={{Payment Systems Act}}
		
			,
	year={2003}
		
	
	,
	note={Act 662}

}

@book{b26,
	
	
		,
	title={{The Bank Capital Channel of Monetary Policy}}
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	author={{
			SJVan Den Heuvel
		}}
		
			,
	year={2002}
		
		
			University of Pennsylvania, Mimeo
		
	

}

@book{b27,
	
	
		,
	title={{A model of bank capital, lending and the macro economy: Basel I versus}}
		,
	author={{
			LZicchino
		}}
		
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	year={2005}
		
	

}

@book{b28,
	
	
		,
	title={{}}
		,
	author={{
			IIBasel
		}}
		
		
			Bank of England
		
	
	,
	note={Working Paper}

}