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The countercyclical capital buffer and the composition of bank lending
Auer, Raphael A.; Ongena, Steven - 2019
question, we identify the compositional changes in banks' supply of credit using the variation in their holdings of residential …
Persistent link: https://www.econbiz.de/10012064522
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Loan loss pprovision : some empirical evidence for Italian banks
Caporale, Guglielmo Maria; Alessi, Matteo; Di Colli, Stefano - 2015
This paper uses data from a panel of more than 400 Italian banks for the period 2001 - 2012 to examine the main determinants of loan loss provision (LLP), which are classified as either discretionary (income smoothing, capital management, signalling) or non-discretionary (related to the business...
Persistent link: https://www.econbiz.de/10010496145
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How has the global financial crisis affected syndicated loan terms in emerging markets? : evidence from China
Caporale, Guglielmo Maria; Lodh, Suman; Nandy, Monomita - 2015
This paper examines the impact of the recent global financial crisis on the cost of debt capital (syndicated loans) in a leading emerging market, namely China, using difference-in-differences and GARCH approaches. Before the crisis China adopted banking reforms allowing entry of foreign banks...
Persistent link: https://www.econbiz.de/10010518789
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The dollar and corporate borrowing costs
Meisenzahl, Ralf R.; Niepmann, Friederike; … - 2020
We show that U.S. dollar movements affect syndicated loan terms for U.S. borrowers, even for those without trade exposure. We identify the effect of dollar movements using spread and loan amount adjustments during the syndication process. Using this high-frequency, within loan variation, we find...
Persistent link: https://www.econbiz.de/10012231575
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The loan puzzle : a study of loans to different groups in the USA.
Cafiso, Gianluca - 2020
We study loans from banking and non-banking lenders to different groups of borrowers in order to unveil significant differences on how those respond to a shock and evaluate possible alternative explanations for such differences. The objective is to gain insights useful to explain the loan...
Persistent link: https://www.econbiz.de/10012194423
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Islamic banking, credit and economic growth : some empirical evidence
Caporale, Guglielmo Maria; Helmi, Mohamad Husam - 2016
This paper examines the effects of Islamic banking on the causal linkages between credit and GDP by comparing two sets … analysis provides evidence of long-run causality running from credit to GDP in countries with Islamic banks only. This is …
Persistent link: https://www.econbiz.de/10011416380
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Foreign currency loans and credit risk : evidence from U.S. banks
Niepmann, Friederike; Schmidt-Eisenlohr, Tim - 2017
implies that firms do not perfectly hedge against exchange rate risk and that this risk translates into credit risk for banks …
Persistent link: https://www.econbiz.de/10011741340
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SMEs and access to bank credit : evidence on the regional propagation of the financial crisis in the UK
Degryse, Hans; Matthews, Kent; Zhao, Tianshu - 2015 - Second draft: June 2015
We study the sensitivity of banks' credit supply to small and medium size enterprises (SMEs) in the UK to banks … branches in the UK, we connect firms' access to bank credit to the financial condition (i.e., bank health and the use of core … conditions did not influence credit availability irrespective of the functional distance (i.e., the distance between bank branch …
Persistent link: https://www.econbiz.de/10011288792
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Global investors, the dollar, and U.S. credit conditions
Niepmann, Friederike; Schmidt-Eisenlohr, Tim - 2018
This paper documents that an appreciation of the U.S. dollar is associated with a reduction in the supply of commercial and industrial loans by U.S. banks. An increase in the broad dollar index by 2.5 points (one standard deviation) reduces U.S. banks' corporate loan originations by 10 percent....
Persistent link: https://www.econbiz.de/10011922169
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The impact of peer-to-peer lending on small business loans
Kim, Jin-hyuk; Stähler, Frank - 2020
bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit …
Persistent link: https://www.econbiz.de/10012212849