Tang, Ning; Hasan, Iftekhar; Lin, Chih-Yung; Lu, Chien-Lin - 2021
that derives a bank’s safety-oriented culture from its business model. We provide several validation tests to confirm that …In this study, we investigate the effects of bank safety-oriented culture on loan contracts. We propose a new measure … our measure can represent the safety-oriented culture of banks. Our empirical results show that banks with a safety …