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Effects of interest rate caps on microcredit: evidence from a natural experiment in Bolivia
Roa, María José; Villegas, Alejandra; Garrón, Ignacio - 2020
This paper evaluates the imposition of caps on microcredit lending rates through directed credit policies for …
Persistent link: https://www.econbiz.de/10012285081
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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
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Loan supply shocks, prudential regulation, and the business cycle
Rudel, Paul - 2024
How do the business cycle effects of loan supply shocks depend on the state of prudential regulation in the euro area? To address this question, we first identify regulatory cycles from a cumulative prudential policy index that tracks the evolution of the regulatory stance in the euro area....
Persistent link: https://www.econbiz.de/10014636947
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How do bank lending rates and the supply of loans react to shifts in loan demand in the UK?
Burgstaller, Johann; Scharler, Johann - 2011
for the U.K. Thereby, we explicitly disentangle credit supply and demand and allow the interest rate charged on loans to …
Persistent link: https://www.econbiz.de/10009239393
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The impact of interest rate risk on bank lending
Beutler, Toni; Bichsel, Robert; Bruhin, Adrian; Danton, … - 2015
In this paper, we empirically analyze the transmission of realized interest rate risk - the gain or loss in bank economic capital due to movements in interest rates - to bank lending. We exploit a unique panel data set that contains supervisory information on the repricing maturity profiles of...
Persistent link: https://www.econbiz.de/10011396762
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Taking the lead : when non-banks arrange syndicated loans
Grupp, Marcel - 2015 - This Version: April 2015
In the mid-1990s, institutional investors entered the syndicated loan market and started to serve borrowers as lead arrangers. Why are non-banks able to compete for this role against banks? How do the composition of syndicates and loan pricing differ among lead arrangers? By using a dataset of...
Persistent link: https://www.econbiz.de/10010515429
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How has the global financial crisis affected syndicated loan terms in emerging markets? : evidence from China
Caporale, Guglielmo Maria; Lodh, Suman; Nandy, Monomita - 2015
This paper examines the impact of the recent global financial crisis on the cost of debt capital (syndicated loans) in a leading emerging market, namely China, using difference-in-differences and GARCH approaches. Before the crisis China adopted banking reforms allowing entry of foreign banks...
Persistent link: https://www.econbiz.de/10010518789
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How has the global financial crisis affected syndicated loan terms in emerging markets? : evidence from China
Caporale, Guglielmo Maria; Lodh, Suman; Nandy, Monomita - 2015
This paper examines the impact of the recent global financial crisis on the cost of debt capital (syndicated loans) in a leading emerging market, namely China, using difference-in-differences and GARCH approaches. Before the crisis China adopted banking reforms allowing entry of foreign banks...
Persistent link: https://www.econbiz.de/10010519820
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Bank behavior based on internal credit ratings of borrowers
Machauer, Achim; Weber, Martin - 1998
This study examines the relation of bank loan terms like interest rates, collateral, and lines of credit to borrower … risk defined by the banks’ internal credit rating. The analysis is not restricted to a static view. It also incorporates … weighted average of credit rating before and after a rating transition serves to compensate for low earlier profits caused by …
Persistent link: https://www.econbiz.de/10009774680
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Syndicated loan spreads and the composition of the syndicate
Lim, Jongha; Minton, Bernadette A.; Weisbach, Michael S. - 2012
During the past decade non-bank institutional investors are increasingly taking larger roles in the corporate lending than they historically have played. These non-bank institutional lenders typically have higher required rates of return than banks, but invest in the same loan facilities. In a...
Persistent link: https://www.econbiz.de/10009625909