Bank Lending Activity
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Bank Lending Activity
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Author : American Bankers Association. Research Council
language : en
Publisher:
Release Date : 1940
Bank Lending Activity written by American Bankers Association. Research Council and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1940 with Bank loans categories.
The Rise In Bank Lending Activity
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Author : American Bankers Association. Research Council
language : en
Publisher:
Release Date : 1940
The Rise In Bank Lending Activity written by American Bankers Association. Research Council and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1940 with Bank loans categories.
Market Structure Screening Activity And Bank Lending Behavior
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Author : Nikolaos I. Papanikolaou
language : en
Publisher:
Release Date : 2013
Market Structure Screening Activity And Bank Lending Behavior written by Nikolaos I. Papanikolaou and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
In this paper, we construct a spatial model of banking competition that considers the differential information among banks and potential borrowers to investigate how the market structure affects the lending behavior of banks and their incentives to invest in screening technology. Consistent with the prevailing view, our results show that a larger number of banks reduce lending cost, which, in turn, encourages the entry of new customers in the loan market. Also, that market structure has an important impact on banks' incentives to screen loan applicants. In particular, we find that banks invest more in screening as a result of higher competition. This is largely explained by the fact that the number of bad credit applicants increases due to intensified competition. Consequently, banks resort to screening in order to efficiently protect themselves against excessive credit risk-taking. Overall, the paper provides support to a rather close relationship between the industry structure, the lending activity of banks, and bank investment in screening technology.
Financial Crises And The Composition Of Cross Border Lending
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Author : Mr.Eugenio Cerutti
language : en
Publisher: International Monetary Fund
Release Date : 2014-10-16
Financial Crises And The Composition Of Cross Border Lending written by Mr.Eugenio Cerutti and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-10-16 with Business & Economics categories.
We examine the composition and drivers of cross-border bank lending between 1995 and 2012, distinguishing between syndicated and non-syndicated loans. We show that on-balance sheet syndicated loan exposures account for almost one third of total cross-border loan exposures during this period. Furthermore, syndicated loan exposures increased during the global financial crisis due to large drawdowns on credit lines extended before the crisis. Our empirical analysis of the drivers of cross-border loan exposures in a large bilateral dataset shows three main results. First, banks with lower levels of capital favor syndicated over other kinds of cross-border loans. Second, borrower country characteristics such as level of development, economic size, and capital account openness, are less important in driving syndicated than non-syndicated loan activity, suggesting a diversification motive for syndication. Third, information asymmetries between lender and borrower countries, which are important both in normal and crisis times, became more binding for both types of cross-border lending activity during the recent crisis.
Bank Lending In The Knowledge Economy
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Author : Mr.Giovanni Dell'Ariccia
language : en
Publisher: International Monetary Fund
Release Date : 2017-11-07
Bank Lending In The Knowledge Economy written by Mr.Giovanni Dell'Ariccia and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-07 with Business & Economics categories.
We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Small Business Lending Activity By Commercial Banks In New York State
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Author : Ernest Kohn
language : en
Publisher:
Release Date : 1977
Small Business Lending Activity By Commercial Banks In New York State written by Ernest Kohn and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Bank loans categories.
Bank Lending Activity A Study Of The Volume And Number Of Loan Transactions Of American Commercial And Mutual Savings Banks
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Author : American Bankers Association. Research Council
language : en
Publisher:
Release Date : 1940
Bank Lending Activity A Study Of The Volume And Number Of Loan Transactions Of American Commercial And Mutual Savings Banks written by American Bankers Association. Research Council and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1940 with Banks and banking categories.
Bank Lending And Interest Rate Changes In A Dynamic Matching Model
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Author : Giovanni Dell'Ariccia
language : en
Publisher: International Monetary Fund
Release Date : 1998
Bank Lending And Interest Rate Changes In A Dynamic Matching Model written by Giovanni Dell'Ariccia and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Business & Economics categories.
In a world with asymmetric information and other market imperfections, financial intermediaries provide credit to otherwise liquidity constrained agents. If lending without screening and monitoring entails large deadweight losses, and if market financing is prevented by free-rider problems, banks emerge as the only source of external financing for potentially productive agents (Diamond, 1984).1 As a result, the relationship between monetary perturbations and aggregate economic activity is necessarily linked to bank lending behavior. 2 However, the response of bank lending to positive and negative interest rate changes may be inherently different, and potentially asymmetric. Even though several papers have studied the asymmetric effects of monetary policy on real economic activity, little attention has been paid to the asymmetric response of bank lending to interest rate changes. 3.
Effects Of Bank Capital On Lending
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Author : Joseph M. Berrospide
language : en
Publisher: DIANE Publishing
Release Date : 2011-04
Effects Of Bank Capital On Lending written by Joseph M. Berrospide and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-04 with Business & Economics categories.
The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. The authors use panel-regression techniques to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. They then consider the effect of capital ratios on lending using a variant of Lown and Morgan's VAR model, and again find modest effects of bank capital ratio changes on lending. The authors¿ estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments. Illus. A print on demand pub.
Interest Rate Derivatives And Bank Lending
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Author : Elijah Brewer
language : en
Publisher:
Release Date : 1996
Interest Rate Derivatives And Bank Lending written by Elijah Brewer and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Banks and banking categories.