---
title: Banks versus Private Credit: How Capital Requirements Shape Tailored Lending
url: https://www.ml-quant.com/papers/ssrn/7524779/
site: ML-Quant (https://www.ml-quant.com)
updated: 2026-10-02
license: Summaries CC BY 4.0; links go to the original sources
index: https://www.ml-quant.com/llms.txt
identifier: SSRN 7524779
source_url: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=7524779
featured: 2026-10-02
citations: unknown
topic: Risk, Credit & Banking
---


# Banks versus Private Credit: How Capital Requirements Shape Tailored Lending

The study models how capital requirements tax banks on tailored loans, pushing riskier firms toward private credit; evidence shows that tighter leverage rules reduce bank tailoring by 25 percent in quantitative terms.

- Source: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=7524779
- Identifier: SSRN 7524779
- Released: 2026-09-28
- First featured: Quant Letter No. 133 (2026-10-02): https://www.ml-quant.com/issues/2026-10-02/
- Citations (Semantic Scholar): not tracked
- Published in: not yet
- Topic: Risk, Credit & Banking
- Authors: Francesco Beraldi, Ali Uppal, Melanie Wallskog

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