We investigate the association between banks' credit expansion and loan loss reserves on a panel of banks from 11 new … in banks' risk aversion being associated with a supply shift. As the existence of loan commitments may lead to … overlending, we expect that banks with a higher share of unused committed credit lines are more prone to subsequent increase in …

We explore the structural drivers of bank and nonbank credit cycles using an estimated medium-scale macro model that … potentially drive bank and nonbank credit growth. We find that sectoral shocks affecting the balance sheets of entrepreneurs who … borrow from the financial sector are important for the business cycle frequency fluctuations in bank and nonbank credit …

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 profit-maximis-ing Chinese bank with no credit quality problems. Taking the …

By the act of lending banks do not actually intermediate pre-accumulated real resources but rather create new financial … resources in the form of deposits. Therefore, bank credit needs to be modelled as a monetary phenomenon, which directly fuels … domestic demand and inflationary pressures. So far, there have been just a few attempts to model banks as monetary institutions …

lending. We find that the guidance primarily impacted large, closely supervised banks, but only after supervisors issued … more lax lending policies than banks, we unveil important evidence that nonbanks increased bank borrowing following the … issuance of guidance, possibly to finance their growing leveraged lending. The guidance was effective at reducing banks …

developing a better understanding of credit and its mechanisms. A rapidly growing strand of the literature views banks as facing …. This work explores the way banks in Colombia manage their balance sheet and sheds light into the dynamics of credit and … funding restrictions that condition their borrowing to a risk-based capital constraint which, in turn, affects bank lending …

system of our country. One of its effects was the Romanian banks' lending policies. Changes in lending policy content of … Romanian credit institutions can be seen by analyzing the structure and dynamics of domestic credit. …

capture differences in credit market integration by variations in the cost for banks to grant credit for cross …This paper shows that currency arrangements impact on credit available through default incentives. To this end we build … a symmetric two-country model with money and imperfect credit market integration. With the Euro Area context in mind, we …

of data on banks’ balance sheets, central banks and money market funds; on interest rates on deposits and loans; on non …