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Competition against common sense : insights on peer-to-peer lending as a tool to allay financial exclusion

Loureiro, Yuliya Komarova; Gonzalez, Laura - In: The international journal of bank marketing : IJBM 33 (2015) 5, pp. 605-623

Persistent link: https://www.econbiz.de/10011407142

How do banking groups react to macroprudential policies? : cross-border spillover effects of higher capital buffers on lending, risk-taking and internal markets

Cappelletti, Giuseppe; Marques, Aurea Ponte; Salleo, Carmelo - 2020

We study the impact of macroprudential capital buffers on banking groups' lending and risk-taking decisions, also … buffers, subsidiaries deleverage lending and risk-taking towards non-financial corporations and marginally expanded lending … affiliated banks' lending activity. Therefore, to ensure the effectiveness of macroprudential policy, it is essential that …

Persistent link: https://www.econbiz.de/10012318816

Macroprudential regulation and bank stability : the credit market signal

Kiemo, Samuel; Kamau, Anne; Rugiri, Irene W.; Talam, Camilla - 2021

This paper examines the effectiveness of macroprudential regulations in promoting bank stability and credit in the Kenyan financial system. The study uses bank-level and nonbank credit data for the period 2001-2019 and applies a panel estimation methodology to achieve its objectives. The study...

Persistent link: https://www.econbiz.de/10012596050

Procyclical finance : the money view

Li, Ye - 2017

Financial intermediaries issue the majority of liquid securities, and nonfinancial firms have become net savers, holding intermediaries' debt as cash. This paper shows that intermediaries' liquidity creation stimulates growth -- firms hold their debt for unhedgeable investment needs -- but also...

Persistent link: https://www.econbiz.de/10011968932

Understanding the cash demand puzzle

Jiang, Janet Hua; Shao, Enchuan - 2014

We develop a model to explain a puzzling trend in cash demand in recent years: the value of bank notes in circulation as a percentage of GDP has remained stable despite decreasing cash usage at points of sale owing to competition from alternative means of payment such as credit cards. The main...

Persistent link: https://www.econbiz.de/10010360358

Bank Credit and Default in Infinite Horizon

Goodhart, Charles - 2019

Ever since the Great Financial Crisis, if not before, it has become clear that there are complex interactions between the real and nominal sectors of the economy. When do monetary and financial policy goals conflict with each other? When is monetary policy a complement to or a substitute for...

Persistent link: https://www.econbiz.de/10012858964

Payments, Credit and Asset Prices

Piazzesi, Monika - 2018

This paper studies a modern monetary economy: trade in both goods and securities relies on money provided by intermediaries. While money is valued for its liquidity, its creation requires costly leverage. Inflation, security prices and the transmission of monetary policy then depend on the...

Persistent link: https://www.econbiz.de/10012914919

Corporate Lending by Banks : The Ongoing Stagnation

Khromov, Michael - 2017

In 2016, corporate credit exposure growth rates dropped to zero. Origination of new loans declined against the volumes of economic activity. In recent months, a reduction of past-due payment was observed across all loan categories

Persistent link: https://www.econbiz.de/10012959657

Retail Bank Lending : Debt Burden is Decreasing

Khromov, Michael - 2016

In 2016, the volume of bank lending resumed growth. However, its level remains below the 2014 indicators and is … insuﬃcient to curtail the reduction of the population's loan debt volumes. There is a shift in the retail bank lending debt …

Persistent link: https://www.econbiz.de/10012988049

Russian Retail Lending Market yet to Recover to Pre-Crisis Levels

Khromov, Michael - 2017

New parameters of retail lending continue to recover in 2017 amid interest rate cuts. However, the eﬀects of the …

Persistent link: https://www.econbiz.de/10012945138

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