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Determinants of Bank Lending in Thailand

Determinants of Bank Lending in Thailand PDF Author: Chodechai Suwanaporn
Publisher: Peter Lang Pub Incorporated
ISBN:
Category : Political Science
Languages : en
Pages : 198

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Book Description
Thailand experienced some of the world's fastest economic growth rates over the past four decades until the 1997 Baht devaluation and subsequent financial crisis. The dramatic financial collapse has raised doubts about the general efficiency of the Thai financial system. Until now, empirical knowledge about the lending process or behaviour in emerging markets has been extremely thin due to the lack of appropriate and reliable data. This study, which uses micro level bank data, examines systematic analysis of risk, relationships, and other factors in Thai bank lending decisions to assess the pre-crisis health of the lending process. Specifically, it investigates factors that affect interest rates, degree of lending volume and collateral setting in the loan decision of Thai banks between 1992 and 1996. The results show that Thai banks' lending decisions follow a similar manner as in developed countries. There are sufficient systematic structures in place, not chaos as speculated by many. Thai banks partly consider borrower's risk in their lending decision, especially the degree of lending volume but do not make use of these risk indicators in the pricing of loans. Relationship factors are important in Thai bank's lending decisions. The evidence is more resounding in Thailand than in the developed countries. However, lending to more closely related firms is neither the cause of nor related to bad loan outcome.

Determinants of Bank Lending in Thailand

Determinants of Bank Lending in Thailand PDF Author: Chodechai Suwanaporn
Publisher: Peter Lang Pub Incorporated
ISBN:
Category : Political Science
Languages : en
Pages : 198

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Book Description
Thailand experienced some of the world's fastest economic growth rates over the past four decades until the 1997 Baht devaluation and subsequent financial crisis. The dramatic financial collapse has raised doubts about the general efficiency of the Thai financial system. Until now, empirical knowledge about the lending process or behaviour in emerging markets has been extremely thin due to the lack of appropriate and reliable data. This study, which uses micro level bank data, examines systematic analysis of risk, relationships, and other factors in Thai bank lending decisions to assess the pre-crisis health of the lending process. Specifically, it investigates factors that affect interest rates, degree of lending volume and collateral setting in the loan decision of Thai banks between 1992 and 1996. The results show that Thai banks' lending decisions follow a similar manner as in developed countries. There are sufficient systematic structures in place, not chaos as speculated by many. Thai banks partly consider borrower's risk in their lending decision, especially the degree of lending volume but do not make use of these risk indicators in the pricing of loans. Relationship factors are important in Thai bank's lending decisions. The evidence is more resounding in Thailand than in the developed countries. However, lending to more closely related firms is neither the cause of nor related to bad loan outcome.

The Maturity and Sectoral Distribution of International Bank Lending

The Maturity and Sectoral Distribution of International Bank Lending PDF Author:
Publisher:
ISBN:
Category : Banks and banking, International
Languages : en
Pages :

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The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behaviour

The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behaviour PDF Author: Allen N. Berger
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 30

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Book Description
Stylised facts suggest that bank lending behaviour is highly procyclical. We offer a new hypothesis that may help explain why this occurs. The institutional memory hypothesis is driven by deterioration in the ability of loan officers over the bank.s lending cycle that results in an easing of credit standards. This easing of standards may be compounded by simultaneous deterioration in the capacity of bank management to discipline its loan officers and reduction in the capacities of external stakeholders to discipline bank management. We test the empirical implications of this hypothesis using data from individual US banks over the period 1980-2000. We employ over 200,000 observations on commercial loan growth measured at the bank level, over 2,000,000 observations on interest rate premiums on individual loans, and over 2,000 observations on credit standards and bank-level loan spreads from bank management survey responses. The empirical analysis provides support for the hypothesis. This paper was presented at the conference on 'Changes in risk through time: measurement and policy responses ' organised by the BIS on 6 March 2002 and, as such, is appearing in the BIS Working Papers series.

World Bank Lending for Small and Medium Enterprises

World Bank Lending for Small and Medium Enterprises PDF Author: Leila Webster
Publisher:
ISBN:
Category : Loans
Languages : en
Pages : 77

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World Bank Lending for Small Enterprises, 1989-1993

World Bank Lending for Small Enterprises, 1989-1993 PDF Author: Leila Webster
Publisher: World Bank Publications
ISBN: 9780821335185
Category : Business & Economics
Languages : en
Pages : 146

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Book Description
Addresses the issue of international competitiveness from the perspective of developing countries, which must exploit the opportunities offered by international trade and the extraordinarily rapid technological progress of recent years. The book's central message is that while sound macroeconomic management is crucial for achieving a sustained rise in living standards, it is an economy's ability to generate and manage technological change that ultimately determines its success in the world market and the pace at which it grows.

Bank Lending and Entrepreneurial Finance

Bank Lending and Entrepreneurial Finance PDF Author: John F. Chant
Publisher: The Fraser Institute
ISBN:
Category : Bank loans
Languages : en
Pages : 41

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Book Description
This study examines the performance of Canadian banks in financing entrepreneurship.

Financial Crisis and Bank Lending

Financial Crisis and Bank Lending PDF Author: Simon H. Kwan
Publisher: DIANE Publishing
ISBN: 1437933807
Category :
Languages : en
Pages : 41

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Book Description
Estimates the amount of tightening in bank commercial and industrial (C&I) loan rates during the financial crisis. After controlling for loan characteristics and bank fixed effects, as of 2010:Q1, the average C&I loan spread was 66 basis points or 23 percent above normal. From about 2005 to 2008, the loan spread averaged 23 basis points below normal. Thus, from the unusually loose lending conditions in 2007 to the much tighter conditions in 2010:Q1, the average loan spread increased by about 1 percentage point. The author finds that large and medium-sized banks tightened their loan rates more than small banks; while small banks tended to tighten less, they always charged more. Charts and tables.

Bank Lending

Bank Lending PDF Author: Hong Kong Institute of Bankers (HKIB)
Publisher: John Wiley & Sons
ISBN: 0470827459
Category : Business & Economics
Languages : en
Pages : 226

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Book Description
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.

Drivers of Bank Lending

Drivers of Bank Lending PDF Author: Hartmut Brinkmeyer
Publisher: Springer
ISBN: 3658071753
Category : Political Science
Languages : en
Pages : 230

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Book Description
​After the recent financial crisis has hooked the banking system to its very foundations, Hartmut Brinkmeyer contributes to the question of how bank characteristics influence bank loan supply during crisis periods by developing a well-founded theoretical framework. The econometrical design deploys a number of remarkably innovative ideas such as the implementation of a bank-specific, self-chosen target capital ratio or a very convincing approach to the disentanglement of loan supply and demand. The results of this study deliver a profound insight into the lending behavior of European banks and explicitly urge academic and practical discussion.

International Bank Lending

International Bank Lending PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher:
ISBN:
Category : Banks and banking, International
Languages : en
Pages : 457

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