Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in … a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem …. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In …

global perspective. At the same time, collateral requirements applied by banks are onerous and also constrain the quantity of … credit supplied. This paper identifies a range of factors that could lower spreads in the Kyrgyz Republic: more competition …, higher capital, lower credit risk, larger loan size, lower deposit rates and external funding costs, as well as a stronger …

-service-to-income ratios, in affecting developments in house prices and credit. We use data on 99 lending standard restrictions implemented in … house prices and credit. However, the impact is delayed and reaches its peak only after three years. In addition, the impact …

This paper studies episodes in which aggregate bank credit contracts alongside expanding economic activity-credit …--on average, they occur every five years. By comparison, banking crises take place every eight years on average. Credit reversals …

Can fintech credit fill the credit gap in the consumer and business segments? There are few cross-country studies that … explore this question. Focusing on marketplace lending, an important part of fintech credit, we use data for 109 countries … from 2015 to 2017 to study the relationship between fintech credit to businesses and consumers and various aspects of …

Assessing when credit is excessive is important to understand macro-financial vulnerabilities and guide macroprudential … policy. The Basel Credit Gap (BCG) - the deviation of the credit-to-GDP ratio from its long-term trend estimated with a one … warning of banking crises. However, for a number of European countries this indicator implausibly suggests that credit should …

This paper studies the relationship between banks' holdings of domestic sovereign securities and credit growth to the … lower credit growth to the private sector and with a higher return on assets of the banking sector. Analysis suggests that … the negative relationship between banks' claims on the government and private sector credit growth mainly reflects a …