We study the reaction of commercial banks to external macroeconomic shocks using panel data from over 120 banks in Argentina for the period 1996-1999. We show that all banks reduce lending when systemic risk increases and that this reaction is driven by credit supply decisions by banks, beyond and above the impact of reduced credit demand or increased regulatory pressure. However, the underlyin...

I analyze banks’ incentives to acquire expertise in judging the credit-worthiness of borrowers in an industry with uncertain business conditions. The optimal industrial organization of bank lending features several banks with industry expertise, as well as a competitive fringe of banks without such expertise. The analysis provides a foundation for analyzing the relative merits of focus vs. dive...

the issuing of credit cards by banks and other financial and credit institutions is a new experience in iran. the compatibility of credit cards with islamic rules and islamic banking and establishment of a legal structure for maintaining security for such cards, avoiding frauds and settling relating disputes is one of the most challenging issues of the iranian legislation. as the issuance and u...

Credit is a strategic empowerment tool that has the potential to change the life of a person, family or community from a situation of abject poverty to a more dignified life. It can transform self-image, unlock potential and boost the productivity and well-being of the poor and vulnerable, especially farmers. This paper estimates the determinants of credit demand by farmers and supply by Rural ...

redit arrangements between a borrower and a lender are a prevalent part of the economy. A fundamental concern for any lender is the risk that the borrower fails to fully repay the loan as expected, a type of risk called credit risk. Thus, lenders want credit arrangements that are designed to compensate them for— and help them effectively manage—credit risk. In certain situations, central banks ...

The article reveals the essence of concept credit as an economic category, its forms, types and principles. policy banking institutions is defined, operations banks at current stage economy are characterized, state activity Ukrainian analyzed. development financial services market in conditions global crisis problems prospects Ukraine have been identified. choice strategy by was studied. main b...

ZHENG XIAOSONG: A credit policy study of Chinese banks on small and medium-sized enterprises. Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, 2013, LXI, No. 7, pp. 2973–2982 In recent years, there is rising attention on the diffi cult fi nancing problems of small and mediumsized enterprises (SMEs). With constant development and improvement in China’s socialist market eco...

March 2011 Abstract: We investigate whether the relationship between competition and stability varies across different bank types for Japanese banks during the period 2000-2009. In general we find that stability varies across bank types, in that banks with a regional focus (Regional, Tier 2 Regional, Shinkin and Credit Cooperative banks) are found to be more stable on average than nationwide (C...

This paper constructs a multiple regression model to evaluate the overdue risk of credit card holders. The results can identify the factors influencing the credit card holders’ overdue risk behavior in order to provide card issuing banks a decision-making reference in the investigation of credit card holders’ related characteristics and the relationship quality between the credit card holders a...