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Empirical analysis of corporate credit lines

Jiménez, Gabriel; López, José A.; Saurina, Jesús - Banco de España - 2008

Since bank credit lines are a major source of corporate funding, we examine the determinants of credit line usage with …

Persistent link: https://www.econbiz.de/10005022273

The Importance of Measuring the Delivery of Services via Commercial Presence of Offshore Foreign Affiliates : Some Case Studies from Australian Business Experience

Drake-Brockman, Jane - East Asian Bureau of Economic Research (EABER) - 2011

ï»¿ï»¿ï»¿6TThere are major difficulties associated with measurement of each of the four modes of services trade delivery as defined in the General Agreement on Trade in Services (GATS) : cross-border supply, consumption abroad, commercial presence, and movement of natural persons. The...

Persistent link: https://www.econbiz.de/10009653170

The Importance of Measuring the Delivery of Services via Commercial Presence of Offshore Foreign Affiliates : Some Case Studies from Australian Business Experience

Drake-Brockman, Jane - East Asian Bureau of Economic Research (EABER) - 2011

Persistent link: https://www.econbiz.de/10009653186

Collateral, type of lender and relationship banking as determinants of credit risk

Jiménez, Gabriel; Saurina, Jesús - Banco de España - 2004

This paper analyses the determinants of the probability of default (PD) of bank loans. We focus the discussion on the … role of a limited set of variables (collateral, type of lender and bank borrower relationship) while controlling for the … institutions over a complete business cycle (1988 to 2000) collected by the Bank of Spain's Credit Register (Central de Información …

Persistent link: https://www.econbiz.de/10005022225

Search cost and price dispersion in vertically related markets: the case of bank loans and deposits

Martín-Oliver, Alfredo; Salas-Fumás, Vicente; … - Banco de España - 2008

Using data on marginal interest rates of loan and deposit products by Spanish banks, we find that the level of interest rates on loans (deposits) across geographic markets decrease (increase) with the number of banks in each market, and that the level of interest rates on loans increases with...

Persistent link: https://www.econbiz.de/10005022230

Banking integration in Europe

Pérez, Daniel; Salas-Fumás, Vicente; Saurina, Jesús - Banco de España - 2005

The paper studies the evolution and determinants of banking integration across European countries, including New Member States, with attention to the impact that the Euro might have on that process. It is the first time that banking integration is being studied using the data on international...

Persistent link: https://www.econbiz.de/10005022235

The joint size and ownership specialization in banks' lending

Delgado, Javier; Salas-Fumás, Vicente; Saurina, Jesús - Banco de España - 2006

In this paper we study the specialization of Spanish banks along two intertwined dimensions: size and ownership form. We find some interesting results at odds with the existing empirical literature. As commercial banks increase their size, they lend more to large borrowers but that is not the...

Persistent link: https://www.econbiz.de/10005022241

Earnings and capital management in alternative loan loss provision regulatory regimes

Pérez, Daniel; Salas-Fumás, Vicente; Saurina, Jesús - Banco de España - 2006

The paper sets an accounting and behavioral framework from which we derive a reduced form equation to test income smoothing and capital management practices through loan loss provisions (PLL) by Spanish banks. Spain offers a unique environment to perform those tests because there are very...

Persistent link: https://www.econbiz.de/10005022266

Measurement of capital stock and input services of Spanish banks

Martín-Oliver, Alfredo; Salas-Fumás, Vicente; … - Banco de España - 2007

This paper contains estimates of physical and intangible (information technology, advertising and training) capital stock, together with capital, labor and externally provided input services, of Spanish commercial and saving banks in the period 1983 to 2003. Capital stocks are valued at...

Persistent link: https://www.econbiz.de/10005022267

Credit market competition, collateral and firms' finance

Jiménez, Gabriel; Salas-Fumás, Vicente; Saurina, Jesús - Banco de España - 2006

This paper investigates the relationship between credit market competition and the availability of bank credit for ….Therefore market power in credit markets and collateral appear as substitutes to increase the availability of bank finance under …

Persistent link: https://www.econbiz.de/10005022289