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Changes in Lending Practices and Borrower Reporting Quality : Evidence from Chinese State Bank Privatizations
Chen, Deqiu - 2018
How do developments at lending institutions that alter the way they grant and monitor loans influence their borrowers' financial reporting quality (FRQ)? We examine this question by investigating the influence that privatizations of Chinese state banks (CSBs) had on the quality of their...
Persistent link: https://www.econbiz.de/10012936432
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The Spillover Effect of Consolidating Securitization Entities on Small Business Lending
Dou, Yiwei - 2020
SFAS 166 and 167 require banks to consolidate certain off‒balance sheet securitization entities. I investigate how this consolidation spills over to banks' supply of small business loans, which are rarely securitized in the United States. This spillover operates through two channels. (1) In...
Persistent link: https://www.econbiz.de/10012855735
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Lifting the banking veil : credit standards' harmonization through lending transparency
Kang, Jung Koo; Loumioti, Maria; Moerman, Regina Wittenberg - 2020
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … information on loan characteristics and performance. We find that loans originated under the transparency regime share more … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions …
Persistent link: https://www.econbiz.de/10012154163
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Financial Statements not Required
Minnis, Michael; Sutherland, Andrew; Vetter, Felix - 2023
Using a dataset covering 3 million commercial borrower financial statements, we document a substantial, nearly monotonic decline in banks’ use of attested financial statements (AFS) in lending over the past two decades. Two market forces help explain this trend. First, technological advances...
Persistent link: https://www.econbiz.de/10014348965
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Evaluation of minimum capital requirements for bank loans to SMEs
Düllmann, Klaus; Koziol, Philipp - 2013
Our paper addresses firm size as a driver of systematic credit risk in loans to small and medium enterprises (SMEs). Key contributions are the use of a unique data set of SME lending by over 400 German banks and relating systematic risk to the size dependence of regulatory capital requirements....
Persistent link: https://www.econbiz.de/10009751062
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Financing SMEs in Europe
Balling, Morten (ed.); Bernet, Beat (ed.); Gnan, Ernest (ed.) - Conference on "Financing SMEs in Europe" <2008, Paris>; … - 2009
Small and medium-sized enterprises are a centrepiece of Europe's economy. Due to their limited size and their generally lower creditworthiness, their access to financial market instruments is more limited than for large enterprises, which benefit from more elaborate Treasury operations,...
Persistent link: https://www.econbiz.de/10011705468
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The Basel capital requirement, lending interest rate, and aggregate economic growth : an empirical study of Viet Nam
Nguyet Thi Minh Phi; Hanh Thi Hong Hoang; … - 2019
In recent years, the Vietnamese economy has shown signs of financial distress, and especially small banks have experienced serious liquidity and solvency problems. Based on the new policy of the State Bank of Vietnam, in order to ensure safe and effective banking operations, the Basel II accord...
Persistent link: https://www.econbiz.de/10011959821
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Financing SMEs in Europe
Balling, Morten (ed.); Ayadi, Rym (contributor) - 2009
Persistent link: https://www.econbiz.de/10003871853
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Regulation, credit risk transfer with CDS, and bank lending
Pausch, Thilo; Welzel, Peter - 2012
We integrate Basel II (and III) regulations into the industrial organization approach to banking and analyze the interaction between capital adequacy regulation and credit risk transfer with credit default swaps (CDS) including its effect on lending behavior and risk sensitivity of a...
Persistent link: https://www.econbiz.de/10009509090
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Bank size and risk-taking under Basel II
Hakenes, Hendrik; Schnabel, Isabel - 2006
We analyze the relationship between bank size and risk-taking under the New Basel Capital Accord. Using a model with imperfect competition and moral hazard, we show that the introduction of an internal ratings based (IRB) approach improves upon flat capital requirements if the approach is...
Persistent link: https://www.econbiz.de/10010366524