the role of diversification, capital buffer, and ownership on the probability of incidence and trajectory of two credit …_Net). Parametric survival and logistic regression methods are applied to a balanced panel dataset of 852 rural banks from June 2010 to … March 2019 (30672 bank quarter observations). We find that credit risk began to surface between 16–23 quarters. Government …

. However, bank customers will only turn to the new business model of web-based financial intermediation if the economic …