Conventional measures of banking sector The traditional indicators utilized for assessing the size, depth and development of a country’s banking (financial) sector are: • The ratio of M2 to GDP • The ratio of private credit to GDP. In particular, both these measures have been used to show the causal effects of financial development on economic growth. However, both measures have some limitation...

From the perspective of policy impact effect, this paper takes green enterprises as treatment group and polluters control group. Firstly, double difference method (DID) was adopted to study effect credit on from two aspects, namely amount loans obtained by financing cost. The found that in terms loan volume, launch “Green Credit Guidelines” enabled obtain more resources than polluters. In cost,...

The paper presents a model in which credit-constrained firms might delay the adoption of new and more productive technologies because of the very high external financing costs they face. Our point of departure is that the efficiency of the banking system can have a profound impact on real resource and investment allocation not only directly, by reducing the amount of resources channelled to the...

Many learning systems face the problem of temporal credit allocation: the proper reinforcement of activities that do not directly result in need satisfaction or external reward but are nevertheless essential precursors to such outcomes [Wilson]. Therefore, the development of an appropriate credit apportionment scheme for adaptive rulebased systems is considered to be one of the main issues in m...

The subprime crisis revealed that the adoption of suitable systems for the management of credit risk is of utmost concern. The Basel Committee on Banking Supervision (2009) advises banks to use credit portfolio models with caution when assessing the capital adequacy. This paper investigates whether decisions on total risk-based capital ratios are channeled through credit portfolio models. In ot...

This paper analyzes the relation between the quality of the legal enforcement of loan contracts and the allocation of credit to households, both theoretically and empirically. We use a model of household credit market with secured debt contracts, where the judicial system affects the cost incurred by banks to actually repossess the collateral. The model shows that the working of the judicial sy...

In this study, a credit risk concentration allocation model is developed for the banks to determine the credit risk concentration limits of their regional head’s. The proposed model is based on the Fuzzy TOPSIS (FTOPSIS) and Linear Programming (LP) approaches. FTOPSIS is easy to use and capable to keep tract of decision made in reaching the overall score by combining different types of criteria...

This study aims to analyze the economic benefits, income of rice farming, allocation credit usage and factors affecting chances smoothness rate return at Seandanan Agricultural Cooperatives. The research is conducted Cooperative in Pesawaran Regency, Lampung Province, which determined intentionally. data were taken July 2019. uses a case method. Respondents this are 70 farmers member Cooperativ...

This paper examines the e↵ects of intra-financial lending – claims between financial institutions – on aggregate investment and credit to the non-financial sector in the United States. Building on Montecino, Epstein, and Levina (2014) we document a large growth in intra-financial assets beginning in the early 1980s. Using a vector autoregression model, we find that intra-financial lending is ne...