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Do macroprudential policy instruments reduce the procyclical impact of capital ratio on bank lending? : cross-country evidence

Olszak, Małgorzata; Roszkowska, Sylwia; Kowalska, Iwona - In: Baltic journal of economics 19 (2019) 1, pp. 1-38

In this paper, we ask about the capacity of macroprudential policies to reduce the procyclical impact of capital ratio on bank lending. We focus on aggregated macroprudential policy measures and on individual instruments and test whether their effect on the association between lending and...

Persistent link: https://www.econbiz.de/10012010272

Cross country heterogeneity of procyclicality of bank loans : evidence from OECD countries using the SURE model

Pipień, Mateusz; Anand, Abhisek - In: Journal of banking and financial economics 20 (2023), pp. 93-110

Procyclicality of credit supply, which refers to the simultaneous movement of credit issued to the non-financial sector …. The impact of credit supply on the financial and real sectors may vary across different economies, and the …

Persistent link: https://www.econbiz.de/10014515568

The effects of lowering the statutory maximum interest rate on non-bank credit loans

Kim, Meeroo - In: KDI-journal of economic policy 44 (2022) 3, pp. 1-26

interest rate using micro-level data from a major credit-rating company. The legal maximum rate cut significantly lowers the … loan interest rate and default rate of low-credit borrowers (i.e., high-credit-risk borrowers) in the non-banking sector … rate cut. The loan approval rate of low-credit borrowers decreased significantly after the legal maximum interest rate cut …

Persistent link: https://www.econbiz.de/10013370285

Lending rate and commercial bank lending in Nigeria

Yunusa, Lateef Adewale; Ariyibi, Mayowa Ebenezer; … - In: Economic review : journal of economics & business 19 (2021) 2, pp. 65-76

encourage banks to attract more deposit as this has a significant impact on the credit ability of the banks. A periodic review …

Persistent link: https://www.econbiz.de/10014466513

Mobile money use : the impact of macroeconomic policy and regulation

Katusiime, Lorna - In: Economies : open access journal 9 (2021) 2, pp. 1-19

This paper examines the effects of macroeconomic policy and regulatory environment on mobile money usage. Specifically, we develop an autoregressive distributed lag model to investigate the effect of key macroeconomic variables and mobile money tax on mobile money usage in Uganda. Using monthly...

Persistent link: https://www.econbiz.de/10012505029

Optimal ROE loan pricing with or without adverse selection

Oliver, B. V.; Oliver, R. M. - In: Journal of the Operational Research Society : OR 65 (2014) 3, pp. 435-442

Persistent link: https://www.econbiz.de/10010251685

Bank loan commitment contracts : data, theory, and tests

Shockley, Richard L. - In: Journal of money, credit and banking : JMCB 29 (1997) 4, pp. 517-534

Persistent link: https://www.econbiz.de/10001231589

The real estate and credit bubble : evidence from Spain

Akin, Ozlem; García Montalvo, José; García Villar, Jaume - In: SERIEs : Journal of the Spanish Economic Association 5 (2014) 2/3, pp. 223-243

We analyze the determinants of real estate and credit bubbles using a unique borrower-lender matched dataset on … mortgage loans in Spain. The dataset contain real estate credit and price conditions (loan principal and spread, and the … contract) and the lender identity, over the last credit boom and bust. We find that lending standards are softer in the boom …

Persistent link: https://www.econbiz.de/10010422334

Is weather important for US banking? : a study of bank loan inefficiency

Apergēs, Nikolaos; Artikis, Panayiotis G.; Mamatzakis, … - In: Journal of applied finance & banking 2 (2012) 3, pp. 1-38

The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and finance. Yet, and in spite of the immense interest, no study, so far, has provided any comprehensive evidence on the impact of weather conditions. This paper provides the...

Persistent link: https://www.econbiz.de/10009565392

Small business lending and social capital : are rural relationships different?

DeYoung, Robert; Glennon, Dennis C.; Nigro, Peter J.; … - In: Journal of entrepreneurial finance : JEF ; official … 21 (2019) 2, pp. 99-136

We test whether rural versus urban location, and the amount of social capital present in those locations, influence the performance of Small Business Administration (SBA) 7(a) loans originated between 1984 and 2012. On average, we find that rural loans are about 11% less likely to default than...

Persistent link: https://www.econbiz.de/10012254569

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