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Distant lending, specialization, and access to credit
Di, Wenhua; Pattison, Nathaniel - 2019
Small business lending has historically been very local, but distances between small businesses and their lenders have steadily increased over the last forty years. This paper investigates a new lending strategy made possible by distant small business lending: industry specialization. Using data...
Persistent link: https://www.econbiz.de/10012230524
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The Impact of Technology and Regulation on the Geographical Scope of Banking
Degryse, Hans; Ongena, Steven - Centrum voor Economische Studiën, Faculteit Economie … - 2004
We review how technological advances and changes in regulation may shape the (future) geographical scope of banking. We … and credit availability) and market presence (branching and servicing). Next we discuss how technology and regulation have … altered this impact and analyse the current state of the European banking sector. We discuss both theoretical contributions …
Persistent link: https://www.econbiz.de/10005200731
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Bank Mergers and Deposit Interest Rate Rigidity
Dinger, Valeriya - 2011
In this paper I revisit the debate on the impact of bank and market characteristics on the rigidity of retail bank interest rates. Whereas existing research in this area has been exclusively concerned with static measures of bank and market structure, I adopt a dynamic approach which explores...
Persistent link: https://www.econbiz.de/10013117584
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The Determinants of Banks' Net Interest Margin in Indonesia : A Dynamic Approach
Sidabalok, Louvti Rodney - 2013
This study analyzes the net interest margin and its determinants of the Indonesian banks during the period of 2003-2009 using a dynamic panel data methodology. Results from the study show consistent findings with previous studies. It is found that there was high and persistence net interest...
Persistent link: https://www.econbiz.de/10013091765
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The Determinants of Net Interest Margin in the Indonesian Banking Sector
Sidabalok, Louvti Rodney - 2013
This study analyzes the determinants of net interest margin of the Indonesian banking sector over the period of 2003 … interest margin in the Indonesian banking sector was caused by a wide pure spread, bank's specific factors, as well as market …
Persistent link: https://www.econbiz.de/10013092505
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The Determinants of Net Interest Margin in the Indonesian Banking Sector
Sidabalok, Louvti Rodney - 2013
This study analyzes the determinants of net interest margin of the Indonesian banking sector over the period of 2003 … interest margin in the Indonesian banking sector was caused by a wide pure spread, bank's specific factors, as well as market …
Persistent link: https://www.econbiz.de/10013092612
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Inferring Market Power from Retail Deposit Interest Rates in the Euro Area
Vajanne, Laura - 2009
This paper tests for the existence of market power in banking, using data on demand deposit rates of households and …
Persistent link: https://www.econbiz.de/10013153600
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Banking in a Steady State of Low Growth and Interest Rates
Chen, Qianying - 2018
drive banking toward provision of fee-based, utility services …
Persistent link: https://www.econbiz.de/10012910355
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Productivity of Banks : Implications for Interest Rates, Economic Profits and Branches
Martín‐Oliver, Alfredo - 2014
purpose, it models spatial competition in retail banking among bank branches with different productivity level. In the short …
Persistent link: https://www.econbiz.de/10013051057
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Bank Mergers and the Dynamics of Deposit Interest Rates
Craig, Ben R. - 2016
Despite extensive research interest in the last decade, the banking literature has not reached a consensus on the …
Persistent link: https://www.econbiz.de/10012989281