This article investigates the impact of European Central Bank policies on credits considering financial and banking fragmentation. Using data from past decade, we estimate SVAR models to analyze regional conventional unconventional measures price volume indicators The risk-taking channel is studied using GVAR document national consequences this We find that increase credit in peripheral countri...

BACKGROUND Under the rapid change of the global financial environment, the risk control of the credit granting is viewed as the foremost task to each bank. With the impact one by one from financial crisis and European debt crisis, the steady bank business is also facing the severe challenge. Banks approve the credits for their customers and then make money from the interest. CASE PRESENTATION...

This paper provides a unified analysis for the onset of the 1998 financial crisis and the strong economic recovery afterward in Russia and other former Soviet Union countries. Before the crisis a banking failure arose owing to the coexistence of a lemons credit market and high government borrowing. In a lemons credit market low credit risk firms switched from bank to nonbank finance, including ...

This paper has investigated a possible relationship between credit market structure and bank development in Iran and selected developing countries, using a panel regression analysis. Accordingly, the bank development index is proxied by the allocated credits to private sector, while a dummy variable has been defined as a proxy for credit market. To estimate the regressions, we have used data of...

Granting credits to commercial customers is one of the central activities of a bank. Avoiding incorrect credit decisions and minimizing the required effort are crucial factors for the economic success of a bank. The basic task of credit granting is a correct valuation of the customer, which includes the analysis of his(her) annual account and the estimations of the customer's solvency. The bank...