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The vanishing interest income of Chinese banks
Kauko, Karlo - 2020
Chinese banks likely have more non-performing loans (NPLs) than officially reported. As hidden NPLs earn no interest income, loan quality problems may erode the gross interest income of banks. Using stochastic frontier analysis, we estimate the interest income of a hypothetical...
Persistent link: https://www.econbiz.de/10012167271
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Benford's law and Chinese banks' non-performing loans
Kauko, Karlo - 2019
Benford's law states that the leading significant digits in real-world data sets, provided the data span several orders of magnitude, are not normally uniformly distributed. Deviations from this law may indicate human intervention, even fraud. The data on Chinese banks' non-performing loans has...
Persistent link: https://www.econbiz.de/10012161109
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SME relationship banking and loan contracting : survey-based evidence from China
Lu, Shun; Glushenkova, Marina; Huang, Wei; Matthews, Kent - 2024
This study explores the impact of relationship banking on the financial constraints and loan conditions of small and … medium-sized enterprises (SMEs) in China. Our research contributes to the literature in several ways. First, we examine both … the financial costs and loan benefits associated with SME relationship banking, extending the scope of existing literature …
Persistent link: https://www.econbiz.de/10014491201
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Shadow Prices of Non-performing Loans for Chinese Banks in the Post-Crisis Era
Zhao, Shirong - 2020
This paper examines how non-performing loans (NPLs) affect Chinese commercial banks before, during, and after the 2008 global financial crisis as well as the subsequent 2008—2010 stimulus. By accounting for NPLs as undesirable outputs, banks' technical efficiency is estimated using directional...
Persistent link: https://www.econbiz.de/10012823203
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An Alternative Credit Scoring System in China's Consumer Lending Market : A System Based on Digital Footprint Data
Fu, Guanghong; Sun, Minjuan; Xu, Qing - 2021
Ever since the late 1990s, China has experienced explosive growth in consumer lending, especially in short … technology. On the other hand, China does not have a universal credit scoring and registration system that can guide lenders … registration and scoring system utilizing online digital footprints, so that more people in China can have better access to the …
Persistent link: https://www.econbiz.de/10013214145
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The Structure of Chinese Banking System and Credit Access Problems for SMEs
Pauluzzo, Rubens - 2011
This paper examines the structure and the main characteristics of the Chinese banking industry. In particular, the …
Persistent link: https://www.econbiz.de/10013131212
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When losses turn into loans : the cost of undercapitalized banks
Blattner, Laura; Farinha, Luísa A.; Rebelo, Francisco - 2019
We provide evidence that a weak banking sector has contributed to low productivity growth following the European …
Persistent link: https://www.econbiz.de/10011975387
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Non-performing loans and economic growth in Nigeria : dynamic analysis
Morakinyo, Akinola; Sibanda, Mabutho - In: Spoudai : journal of economics and business 66 (2016) 4, pp. 61-81
In this paper, utilising the endogenous growth model, we assess the joint long-run determination of economic growth by non-performing loans (NPLs) and by other factors that include bank credit to the economy, gross secondary school enrolment, government expenditure growth rate and the inflation...
Persistent link: https://www.econbiz.de/10011620149
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Non-performing loans and profitability indicators : the case of the Republic of Macedenia
Jolevski, Ljube - In: Journal of contemporary economic and business issues 4 (2017) 2, pp. 5-20
In the traditional banking model, loans play a dominant role in banks’ operations. Loan portfolio quality is the main … the banking system of the Republic of Macedonia for the period 2007- 2015. This analysis presents the correlation and …
Persistent link: https://www.econbiz.de/10011862127
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GDP growth as a bank loan quality determinant
Rachuba, Joanna - In: Journal of banking and financial economics 2 (2020) 14, pp. 21-37
Past financial crises and recessions have revealed the importance of the economy’s condition for the loan quality. Macroeconomic determinants of the non-performing loans have been attracting considerable attention in recent years. The aim of this paper is to organize and summarize studies...
Persistent link: https://www.econbiz.de/10012887740