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Hometown investment trust funds : an analysis of credit risk
Yoshino, Naoyuki; Taghizadeh-Hesary, Farhad - 2014
group SME customers based on financial health, adjust interest rates on loans, and set lending ceilings for each group …
Persistent link: https://www.econbiz.de/10010425546
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Credit risk database for SME financial inclusion
Nguyen, Lan H.; Sagara, Megumi - 2020
financial data about small and medium-sized enterprises (SMEs), the CRD contributes to the overall understanding of the SME … also includes alternative data, bank account transaction data, when assessing SME credit. A machine learning model is …
Persistent link: https://www.econbiz.de/10012205617
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Does Banking Competition Really Increase Credit for All? The Effect of Bank Branching Deregulation on Small Business Credit
Lynch, John - 2022
In this paper, I quantify the extent to which financial constraints limit the scope of activity of small firms, influence their labor decisions, and impact their ultimate survival. Using the U.S. branching deregulation from the 1990s, I document that local markets within deregulated states...
Persistent link: https://www.econbiz.de/10013405115
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Impact of the loan guarantees program reactiva on the performance of Peruvian companies
Ceron, Marcos; Cisneros, Gerald; Nivin, Rafael - 2023
Amid the global COVID-19 crisis, governments worldwide introduced measures to support private enterprises. This study utilizes a newly curated panel database, encompassing the financial records of firms in Peru, to investigate the impact of a substantial governmentbacked loan guarantee program,...
Persistent link: https://www.econbiz.de/10014368450
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Does Banking Competition Really Increase Credit for All? The Effect of Bank Branching Deregulation on Small Business Credit
Lynch, John - 2023
In this paper, I quantify the extent to which financial constraints limit the scope of activity of small firms, influence their labor decisions, and impact their ultimate survival. Using the U.S. branching deregulation from the 1990s, I document that local markets within deregulated states...
Persistent link: https://www.econbiz.de/10014255173
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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
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Credit risk versus capital requirements under Basel II : are SME loans and retail credit really different?
Jacobson, Tor; Lindé, Jesper; Roszbach, Kasper - 2004
the differences between the risk properties of retail, SME and corporate credit has been based on parameterized models of … businesses in the sample is rated by both banks, we can generate loss distributions for SME, retail and corporate credit … portfolios with a constant risk profile. Our findings suggest that a special treatment for retail credit and SME loans may not be …
Persistent link: https://www.econbiz.de/10011583864
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The effects of the financial crisis on cooperative banks in Europe - a critical comparison
Henselmann, Klaus; Ditter, Dominik; Lupp, Philipp - 2016
The financial crisis has highlighted the necessity of discussions on the adequacy of banking regulation and accounting standard-setting for financial institutions. We compare the development of several variables in this context between commercial banks, cooperative banks and savings banks from...
Persistent link: https://www.econbiz.de/10011697409
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Market Discipline and Deposit Guarantee : Evidence from Australian Banks
Yan, Xing - 2011
This study examines market discipline in Australian banks and the impact of the 2008 Australian deposit guarantee scheme. Two forms of depositor market discipline were investigated – a quantity impact whereby an increase in bank risk leads to lower deposit volumes, and a price impact whereby...
Persistent link: https://www.econbiz.de/10013121111
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The countercyclical capital buffer and international bank lending: evidence from Canada
Chen, David; Friedrich, Christian - 2021 - Last updated: November 29, 2021
We examine the impact of the recently introduced Basel III countercyclical capital buffer (CCyB) on foreign lending activities of Canadian banks. Using panel data for the six largest Canadian banks and their foreign activities in up to 94 countries, we explore the variation in CCyB rates across...
Persistent link: https://www.econbiz.de/10012694517