Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to … asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem … of low quality, i.e. high risk, loans and therefore reduces the risk of the bank loan portfolio. However, CVaR regulation …

Purpose – Banks are the major suppliers of external funds for companies in China. The purpose of this paper is to … examine whether Chinese banks exercise effective monitoring over borrowers in two lending decisions, including loan interest …, the authors perform multivariate regression analysis to investigate whether banks adjust their loan interest rates and …

total of 25 banks operating in Nigeria. A multivariate constant coefficient regression model is adopted as the estimation … technique. The dependent variable in the model is quality of bank assets, proxied as the proportion of non-performing loans (NPL …) to total loans; while operating efficiency, profitability, asset liquidity, loans to deposits ratio, predictability of …

Reinvestment Act (CRA) is associated with how broadly banks define the assessment areas (AAs) within which they operate. Both are … analysis using a sample of 212 banks, observed in 2006. Findings – Qualifying lending and AA lending are found to be unrelated …. This is inconsistent with an ability of banks to gerrymander their AAs in order to tradeoff one regulatory standard against …