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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

The impact of non-performing loan sales on the stock market : the role of corporate governance in an emerging market

Pirgaip, Burak; Uysal, Aydın - In: Borsa Istanbul Review 23 (2023) 3, pp. 674-684

Over the past decade, one popular way for Turkish banks to remove nonperforming loans (NPLs) from their balance sheets has been to sell them to asset management companies. We examine the short-term market reaction to the announcements of such NPL sales over the period 2009-2019. We also consider...

Persistent link: https://www.econbiz.de/10014308822

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

Determinants of non-performing loans : can national asset management companies help to alleviate the problems?

Gonzales, Brenda Solis - 2020

Using a novel dataset I examine to what extent the introduction of national Asset Management Companies (AMCs) impacts the effects of bank-specific and macroeconomic determinants of the NPLs ratio for European countries. This study provides evidence on how national AMCs help to alleviate the...

Persistent link: https://www.econbiz.de/10012242901

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

Non-performing loans (NPLs), liquidity creation, and moral hazard : case of Chinese banks

Umar, Muhammad; Sun, Gang - In: China finance and economic review : CFER 4 (2016), pp. 1-23

Background: This study analyzes the impact of non-performing loans (NPLs) on bank liquidity creation to investigate the existence of moral hazard problem in Chinese banks. Methods: It uses data from 197 listed and unlisted Chinese banks, spanning the period 2005 to 2014. Generalized method of...

Persistent link: https://www.econbiz.de/10011499391

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

Microfinance and poverty in Indonesia : the macro impact of people's credit bank

Ismail, Munawar; Santoso, Dwi Budi; Satria, Dias - In: Journal of business economics and management 25 (2024) 4, pp. 647-664

The purpose of this paper is to investigate the role of people's credit banks (BPRs), a predominant form of microfinance in Indonesia, in mitigating poverty. Using panel data from 31 provinces in Indonesia, this study employs static panel and panel models with instrument variables. Our findings...

Persistent link: https://www.econbiz.de/10015098582

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

Schumpeter in practice : the role of credit for industrial policy in China

Geißendörfer, Lisa; Haas, Thomas - 2022

, with the initiation of the 'Strategic Emerging Industries' program. China's state-dominated banking system is seen as … corporate sector and GDP growth in China, (2) this relationship is non-linear in terms of Chinese regions and credit …

Persistent link: https://www.econbiz.de/10014327490