Relevant bibliographies by topics / Bank loan

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Bank loan'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 July 2025

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Journal articles on the topic "Bank loan"

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Yen, Bong Siaw, and Nuryasman MN. "Faktor Penentu Kesehatan Bank Konvensional dan Bank Digital." Jurnal Manajerial Dan Kewirausahaan 5, no. 3 (2023): 585–94. http://dx.doi.org/10.24912/jmk.v5i3.25337.

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Penelitian ini bertujuan untuk mengetahui pengaruh Return On Assets (ROA) dan Capital Adequacy Ratio (CAR) terhadap Non Performing Loan (NPL) pada Bank Konvensional dan Bank Digital baik secara parsial maupun secara Bersama-sama. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Data yang digunakan dalam penelitian ini berupa laporan keuangan triwulan yang diperoleh dari website perusahaan berupa laporan keuangan tahun 2017 sampai dengan tahun 2021. Dalam penelitian ini sampel yang dipilih adalah Bank yang memiliki Bank Konvensional dan Bank Digital yang terdi
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Haque, Sharjil, Simon Mayer, and Teng Wang. "How Private Equity Fuels Non-Bank Lending." Finance and Economics Discussion Series, no. 2024-015 (March 2024): 1–48. http://dx.doi.org/10.17016/feds.2024.015.

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We show how private equity (PE) buyouts fuel loan sales and non-bank participation in the U.S. syndicated loan market. Combining loan-level data from the Shared National Credit register with buyout deals from Pitchbook, we find that PE-backed loans feature lower bank monitoring, lower loan shares retained by the lead bank, and more loan sales to non-bank financial intermediaries. For PE-backed loans, the sponsor’s reputation and the strength of its relationship with the lead bank further reduce the lead bank’s retained share and monitoring. Our results suggest that PE sponsor engagement substi
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GORTON, GARY, and GEORGE PENNACCHI. "Are Loan Sales Really Off-Balance Sheet?" Journal of Accounting, Auditing & Finance 4, no. 2 (1989): 125–45. https://doi.org/10.1177/0148-558x1989004002002.

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A commercial loan sale or secondary loan participation is a contract under which a bank sells the cash stream from a loan to a third party, usually without recourse. In accordance with accepted accounting procedures, this no-recourse contract allows removal of the underlying loan from the balance sheet of the bank, so that the funding of the loan is not subject to capital or reserve requirements. Since commercial banks are thought to specialize in the origination of nonmarketable claims on borrowing firms, the apparent ability of banks to sell these assets seems paradoxical. The paradox could
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Chen, Mary, Seung Jung Lee, Daniel Neuhann, and Farzad Saidi. "Less Bank Regulation, More Non-Bank Lending." Finance and Economics Discussion Series, no. 2023-026 (May 2023): 1–38. http://dx.doi.org/10.17016/feds.2023.026.

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Bank deregulation in the form of the repeal of the Glass-Steagall Act facilitated the entry of non-bank lenders into the market for syndicated loans during the pre-2008 credit boom. Institutional investors disproportionately purchase tranches of loans originated by universal banks able to cross-sell loans and underwriting services to firms (as permitted by the repeal). A shock to cross-selling intensity increases loan liquidity at origination and over time. The mechanism is that non-loan exposures ensure monitoring even when banks retain small loan shares. Our findings complement the conventio
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Pasaribu, Pananda, and Bonnie Mindosa. "The Bank Specific Determinants of Loan Growth and Stability: Evidence from Indonesia." Journal of Indonesian Economy and Business 36, no. 2 (2021): 93–123. http://dx.doi.org/10.22146/jieb.v36i2.1385.

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Introduction/Main Objectives: This study aims to examine the specific determinants of loan growth and the consequences of excessive loan growth on bank stability. Background Problems: Bank loans play an important role in economic growth, but previous studies indicate that excessive loans lead to bank instability. Novelty: This study undertakes a comprehensive analysis, as it will discuss both the loan determinants and excessive loans simultaneously. Research Methods: This study covers more than 89% of the total loans of commercial banks (listed and non-listed banks) between 2002 and 2018 and i
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Inarotul A'yun, Latifatul Husniyah, and Jumiatun Nikmah. "Analisis Perbandingan Kinerja Keuangan Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah)." Journal Islamic Banking 3, no. 2 (2023): 51–60. http://dx.doi.org/10.51675/jib.v3i2.636.

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ABSTRAKAbstract: This research was conducted to determine the performance of Conventional Banks (Bank BNI and Bank BRI) and Sharia Banks (Bank BCA Syariah and Bank Bukopin Syariah) as measured using Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Return On Assets (ROA), Operational Costs to Operating Income (BOPO), and Loan To Deposit Ratio (LDR) for 2019-2021. The research method used is descriptive research with quantitative methods using secondary data as research material. The secondary data used are the annual reports of Conventional Banks (Bank BNI and Bank BRI) and Sharia Bank
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Zemel, Michelle. "The Information Content of Loan Growth in Banks." Quarterly Journal of Finance 08, no. 02 (2018): 1850004. http://dx.doi.org/10.1142/s2010139218500040.

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I empirically evaluate the information content of a change in the size of a bank’s loan portfolio. I find a positive (negative) stock market reaction to loan portfolio growth in high (low) earnings banks. I also find that the information content of loan growth depends on features of the bank, the loan, and the macroeconomic state. In particular, loan growth, in conjunction with earnings, conveys meaningful information about bank value for small banks only, for commercial loans, and during normal times. Further, I posit that if the market reaction conveys meaningful information about a bank’s v
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Ozili, Peterson K. "Bank loan loss provisions, investor protection and the macroeconomy." International Journal of Emerging Markets 13, no. 1 (2018): 45–65. http://dx.doi.org/10.1108/ijoem-12-2016-0327.

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Purpose The purpose of this paper is to investigate the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. Design/methodology/approach The author uses static and dynamic regression estimation to test for the determinants of bank loan loss provisions. Findings The author finds that non-performing loans (NPL), loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. The author observes that bank provision is a positive f
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Irfandi, Muhammad, and Fitria Fitria. "Internal Factor Analysis of Non-Performing Loans Using Multiple Linear Regression Method." Jurnal Riset Informatika 5, no. 3 (2023): 303–10. http://dx.doi.org/10.34288/jri.v5i3.535.

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Loans are the largest source of income from banks compared to other sources of income. To ensure bank continuity, Bank income must exist from interest on loans, reaching almost 95% of all bank activities. For companies and banks that apply loan differences, loans are receivables which are cash that is delayed in receipt. Having problem loans can weaken a bank's financial condition. In general, two factors cause problems with loans, namely internal and external factors of the bank. Bank internal factors can be controlled by banks, compared to external factors, to prevent problem loans. Therefor
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Irfandi, Muhammad, and Fitria Fitria. "Internal Factor Analysis of Non-Performing Loans Using Multiple Linear Regression Method." Jurnal Riset Informatika 5, no. 3 (2023): 303–10. http://dx.doi.org/10.34288/jri.v5i3.222.

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Loans are the largest source of income from banks compared to other sources of income. To ensure bank continuity, Bank income must exist from interest on loans, reaching almost 95% of all bank activities. For companies and banks that apply loan differences, loans are receivables which are cash that is delayed in receipt. Having problem loans can weaken a bank's financial condition. In general, two factors cause problems with loans, namely internal and external factors of the bank. Bank internal factors can be controlled by banks, compared to external factors, to prevent problem loans. Therefor
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Dissertations / Theses on the topic "Bank loan"

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Hu, Yan. "Essays on bank loan contracts." Diss., Temple University Libraries, 2011. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/109975.

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Business Administration/Finance<br>Ph.D.<br>Jensen and Meckling (1976) depict the firm as a nexus of financial contracts that offer optimal mechanisms to mitigate various frictions between agents, e.g., equity holders versus debt holders, principal versus agent, etc. In this study, we focus on two particular types of loan contract, performance pricing and revolving line of credit. Chapter 1 examines how default risk and accounting quality of borrowers affect the likelihood of using performance pricing in bank loan contracts. Consistent with the notion of negative hedging, higher default risk f
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Chen, Zhizhen. "Loan securitization, bank risk, and efficiency." Thesis, University of Glasgow, 2018. http://theses.gla.ac.uk/9007/.

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The 2007-09 financial crisis highlighted the devastating impact of securitization on the stability of the banking system. However, studies on securitization are far from sufficient to show the impact on a bank’s performance. To better understand the impact of securitization in order to prevent such crisis to happen again, I study bank loan securitization in this Ph.D. thesis. This thesis aims to provide empirical explanations to answer two dilemmas in securitization literature. First, ambiguous results are presented in the impact of securitization on bank risk. Classic theories suggest that lo
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Lee, Darrell E. "Firm performance and bank-loan revisions : an analysis of bank monitoring." The Ohio State University, 1995. http://rave.ohiolink.edu/etdc/view?acc_num=osu1272993921.

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Park, Jung Chik. "Business cycle and bank loan portfolio performance: empirical evidence from Brazilian banks." reponame:Repositório Institucional do FGV, 2011. http://hdl.handle.net/10438/8903.

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Submitted by Jung Park (jung.park@hotmail.com) on 2012-01-04T16:33:48Z No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Approved for entry into archive by Gisele Isaura Hannickel (gisele.hannickel@fgv.br) on 2012-01-04T16:37:33Z (GMT) No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Made available in DSpace on 2012-01-04T16:40:34Z (GMT). No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5) Previous
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Khayati, Amine. "Bank Certification Effect on CEO Compensation." OpenSIUC, 2010. https://opensiuc.lib.siu.edu/dissertations/174.

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Contrary to other forms of outside financing, the announcement of a bank loan agreement prompts a positive and significant market return. Throughout the literature, bank loans are deemed special and unique due to multiple benefits accruing to bank borrowers. The short-term positive market reaction is however inconsistent with the long-term underperformance of borrowing firms (Billet et al., 2006). We find that unlike shareholders, CEOs gain from the bank loan relation over the long-term. Specifically, we find that bank loan agreement elicits a significant increase in total compensation through
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Frizell, Julie Dolan. "The Causes and Effects of Commercial Bank Participation in the Federal Home Loan Bank System." Diss., Virginia Tech, 2002. http://hdl.handle.net/10919/29347.

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The 1990s saw significant increases in commercial bank membership in the Federal Home Loan Bank (FHLB) System and extensive growths in FHLB assets and outstanding advances. Since FHLB policies may enable risk-taking behavior by the System's member institutions, this research evaluates the impact of the FHLBs on community bank members, local consumers, and local markets. Results suggest that commercial bank liquidity is enhanced by and managed with the use of System advances, and investments in loans and mortgage-related assets increase with FHLB participation, particularly by small bank membe
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Yu, Jiewei. "Loan spreads and unexpected earnings." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1180535745.

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Meder, Anthony Alan. "SFAS 115, Bank Balance Sheet Liquidity and Loan Growth." The Ohio State University, 2011. http://rave.ohiolink.edu/etdc/view?acc_num=osu1312309973.

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Ozili, Peterson Kitakogelu. "Bank income smoothing and loan loss provisioning practices in Africa." Thesis, University of Essex, 2017. http://repository.essex.ac.uk/20804/.

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The primary objective of the thesis is to investigate whether African banks use loans loss provisions estimates to smooth reported earnings, and to determine the factors that influence the extent of earnings smoothing among African banks. Earnings smoothing via loan loss provision has been examined in several regions, but the case of Africa remain unexplored in the literature. In the thesis, earnings smoothing is viewed as an earnings management practice while loan loss provisions estimate is considered to be the tool used by African banks to smooth reported earnings. Using African bank data o
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Lim, Chu Yeong. "Three empirical essays on bank accounting." Thesis, University of Manchester, 2013. https://www.research.manchester.ac.uk/portal/en/theses/three-empirical-essays-on-bank-accounting(4cbd4150-4bdb-4947-8759-9bbc9f415563).html.

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This thesis presents new empirical evidence on three important aspects of financial reporting by banks. The thesis consists of an introductory chapter that explains how the three issues are related to each other, three empirical chapters and a final summary chapter. The first empirical chapter studies the effects of accounting conservatism on the pricing of syndicated bank loans. I provide evidence that banks more timely in loss recognition charge higher spreads for the same loan provision. I go on to consider what happens to this relationship during the financial crisis. During the crisis, ba
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Books on the topic "Bank loan"

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Goldstein, Sidney S. Bank loan agreements. M. Bender, 1990.

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Webber, Larry R. ABA loan review manual for community banks. Bank Audit Unit, American Bankers Association, 1990.

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Eisenberg, Robert J. Senior loan officer's desk reference. Sheshunoff, 1997.

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Rodgin, Cohen H., and Ross Michael A. 1941-, eds. Drafting commercial bank loan agreements. Law & Business, 1985.

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J, Korsvik William, and Meiburg Charles Owen, eds. The Loan officer's handbook. Dow Jones-Irwin, 1986.

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Mester, Loretta Jean. Transactions accounts and loan monitoring. Federal Reserve Bank of Philadelphia, 2004.

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DeYoung, Robert. Risk overhang and loan portfolio decisions. Federal Reserve Bank of Chicago, 2005.

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Bank, World. General conditions applicable to loan and guarantee agreements: For single currency loans, dated May 30, 1995. World Bank, 1995.

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World Bank. General conditions applicable to loan and guarantee agreements for single currency loans, dated February 9, 1993. World Bank, 1993.

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Bird, Graham R. Commercial bank provisioning against claims on developing countries. International Economics Dept., World Bank, 1988.

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Book chapters on the topic "Bank loan"

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Kiisel, Ty. "Getting the Right Bank Loan." In Getting a Business Loan. Apress, 2013. http://dx.doi.org/10.1007/978-1-4302-4999-3_4.

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Kiisel, Ty. "Building a Relationship with the Bank." In Getting a Business Loan. Apress, 2013. http://dx.doi.org/10.1007/978-1-4302-4999-3_2.

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Wang, Jiazhuo G., and Juan Yang. "Can “Guaranty” Be Guaranteed?—SME Loan Guaranties." In Financing without Bank Loans. Springer Singapore, 2016. http://dx.doi.org/10.1007/978-981-10-0901-3_2.

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Wang, Jiazhuo G., and Juan Yang. "The New Membership of Loan Club—P2P Online Lending." In Financing without Bank Loans. Springer Singapore, 2016. http://dx.doi.org/10.1007/978-981-10-0901-3_5.

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Ekpu, Victor U. "Determinants of SME Loan Contracts." In Determinants of Bank Involvement with SMEs. Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-25837-9_6.

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Öhman, Peter. "The Behavioral Impact of External and Internal Factors on SME Loan Assessments." In Bank Regulation. Routledge, 2017. http://dx.doi.org/10.4324/9781315563893-14.

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Müller, Birgit Charlotte. "The Pricing of European Non-Performing Real Estate Loan Portfolios." In Three Essays on Empirical Asset Pricing in International Equity Markets. Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-35479-4_4.

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ZusammenfassungNon-performing loans (NPL), commonly referred to as loans in arrears for at least 90 days, have continuously been characterized as the top priority of the European Central Bank (ECB) and continue to attract central attention (ECB, 2018a,b). With the outbreak of the European debt crisis, the quality of banks’ assets had deteriorated in a manner that, despite robust economic recovery and a variety of regulatory efforts, NPL still today pose a threat to bank and thrift institutions. Against this backdrop, the European regulator requires banks to develop effective strategies for red
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Hu, Qiaohai Joice, and Maqbool Dada. "Bank Financing of Newsvendor Inventory: Coordinating Loan Schedules." In The Handbook of Integrated Risk Management in Global Supply Chains. John Wiley & Sons, Inc., 2011. http://dx.doi.org/10.1002/9781118115800.ch13.

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Ekpu, Victor U. "A Simplified Model of Adverse Selection in Loan Markets." In Determinants of Bank Involvement with SMEs. Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-25837-9_3.

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Johnson, Christian, and George G. Kaufman. "When a Bank Is Not a Bank: The Case of Industrial Loan Companies." In Financial Institutions and Markets. Palgrave Macmillan US, 2008. http://dx.doi.org/10.1057/9780230617148_1.

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Conference papers on the topic "Bank loan"

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Kumar, APS Pavan, K. Snehith Reddy, K. Poojitha, Nirmal Keshari Swain, M. Yugandhar, and G. V. Chandra Shekar. "Streamlined Bank Loan Approvals Using Deep Learning." In 2024 2nd World Conference on Communication & Computing (WCONF). IEEE, 2024. http://dx.doi.org/10.1109/wconf61366.2024.10692066.

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Ratan, Raj, Sudeept Singh Yadav, Ritika Malhotra, and Avneesh Kumar. "Predicting Bank Loan Approval with Artificial Intelligence." In 2024 1st International Conference on Advances in Computing, Communication and Networking (ICAC2N). IEEE, 2024. https://doi.org/10.1109/icac2n63387.2024.10895175.

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Andhale, Aishwarya, Om Bansode, Rohan Chavan, and Jayashri Bagade. "Bank Loan Prediction System By Using Machine Learning." In 2024 International Conference on Intelligent Systems and Advanced Applications (ICISAA). IEEE, 2024. https://doi.org/10.1109/icisaa62385.2024.10829100.

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Nashwan, Shadi, Issam Jebreen, Ahmad Al-Qerem, Mohammad A. Al Khaldy, and Mohammed Rajab. "Enhancing Financial Stability: Machine Learning Models for Bank Loan Risk Prediction." In 2025 1st International Conference on Computational Intelligence Approaches and Applications (ICCIAA). IEEE, 2025. https://doi.org/10.1109/icciaa65327.2025.11013705.

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Kakadiya, Rushikesh, Tarannum Khan, Anjali Diwan, and Rajesh Mahadeva. "Transformer Models for Predicting Bank Loan Defaults a Next-Generation Risk Management." In 2024 IEEE 6th International Conference on Cybernetics, Cognition and Machine Learning Applications (ICCCMLA). IEEE, 2024. https://doi.org/10.1109/icccmla63077.2024.10871798.

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Gupta, Roshan, Abhishek Bhattacharya, Archita Kumari, Mamata P. Wagh, and Sanjay Kumar Singh. "Automated Decision Making System for Bank Loan Approval with Real-Life Dataset." In 2024 IEEE 1st International Conference on Advances in Signal Processing, Power, Communication, and Computing (ASPCC). IEEE, 2024. https://doi.org/10.1109/aspcc62191.2024.10880913.

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Vyshnavi, Sure Lakshmi, D. S. V. Pavan, T. Teja, Sadineni Sri Pujitha, and Syed Shareefunnisa. "Predicting Bank Loan Eligibility with Machine Learning : A Comparative Study of Advanced Algorithms." In 2024 IEEE 3rd World Conference on Applied Intelligence and Computing (AIC). IEEE, 2024. http://dx.doi.org/10.1109/aic61668.2024.10730968.

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Chen, Yi-Chang, Zixian Xu, Jie Deng, and Bin Xu. "Loan Conditions and Bank Risk Exposure." In Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/febm-19.2019.23.

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Sheppard, Gordon. "Experiences developing a bank loan system." In Addendum to the 1997 ACM SIGPLAN conference. ACM Press, 1997. http://dx.doi.org/10.1145/274567.274573.

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Mpardis, George, and Theodore Kotsilieris. "Bank Loan Processes Modelling Using BPMN." In 2010 Third International Conference on Developments in eSystems Engineering (DESE). IEEE, 2010. http://dx.doi.org/10.1109/dese.2010.45.

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Reports on the topic "Bank loan"

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Baskaya, Soner, José E. Gutiérrez, José María Serena, and Serafeim Tsoukas. Bank supervision and non-performing loan cleansing. Banco de España, 2024. http://dx.doi.org/10.53479/37596.

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This paper studies whether supervisory actions, namely provisioning guidelines on non-performing loans (NPLs), affect banks’ NPL cleansing and lending behaviour, as well as the real economy. Using the supervisory intervention announced by the European Central Bank in the first quarter of 2018 as a quasi-natural experiment, we show that banks disposed of old NPLs at a higher rate after the policy shift. Banks that were more heavily exposed to the policy tightened their lending standards, especially for risky firms. Furthermore, banks with stronger fundamentals were more keen on disposing NPLs a
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González, Francisco, José E. Gutiérrez, and José María Serena. Shadow seniority? Lending relationships and borrowers’ selective default. Banco de España, 2024. http://dx.doi.org/10.53479/36695.

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This paper analyzes how lending relationships affect firms’ incentives to default, drawing on loan-level data in Spain. We provide new evidence showing that firms first default on loans from less important (“non-main”) banks to preserve their most valuable lending relationships. Our findings also indicate that banks integrate this borrower behavior into their credit risk management because the most important banks within a borrower’s set of lending relationships recognize lower discretionary loan impairments. The results are robust to alternative difference-in-difference (DID) analyses and con
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Graham, John, Si Li, and Jiaping Qiu. Corporate Misreporting and Bank Loan Contracting. National Bureau of Economic Research, 2007. http://dx.doi.org/10.3386/w13708.

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Colunga, Luis Fernando. The Loan Puzzle in Mexico. Banco de México, 2024. http://dx.doi.org/10.36095/banxico/di.2024.15.

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In some advanced and emerging economies, contrary to expectations, it has been observed that increases in short-term interest rates are accompanied by increases in bank credit; a phenomenon referred to as "the loan puzzle." This study investigates, through the estimation of a structural vector autoregressive model using national and sectoral-level data, whether this phenomenon occurred in the Mexican economy between 2001 and 2019. The results suggest that, in response to a positive shock to short-term interest rates, the volume of bank credit to firms exhibits a positive and short-lived respon
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Ivashina, Victoria, Luc Laeven, and Enrique Moral-Benito. Loan Types and the Bank Lending Channel. National Bureau of Economic Research, 2020. http://dx.doi.org/10.3386/w27056.

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Morais, Bernardo, Gaizka Ormazabal, José-Luis Peydró, Mónica Roa, and Miguel Sarmiento. Forward Looking Loan Provisions: Credit Supply and Risk-Taking. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1159.

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We show corporate-level real, financial, and (bank) risk-taking effects associated with calculating loan provisions based on expected—rather than incurred—credit losses. For identification, we exploit unique features of a Colombian reform and supervisory, matched loan-level data. The regulatory change induces a dramatic increase in provisions. Banks tighten all new lending conditions, adversely affecting borrowing-firms, with stronger effects for risky-firms. Moreover, to minimize provisioning, more affected (less-capitalized) banks cut credit supply to risky-firms— SMEs with shorter credit hi
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Bohorquez-Penuela, Camilo, Joëlle Noailly, and Naël Shehadeh. Climate Transition Risks and Bank Lending: Evidence from Colombia. Banco de la República, 2024. https://doi.org/10.32468/be.1294.

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How is bank lending to fossil fuel firms affected when risks of stranded assets increase? Using loan-level data from the credit registry of the Colombian Superintendency of Finance, we examine how the introduction of the Paris agreement has affected lending to fossil firms, in a country highly dependent on them. We find evidence that the increased risk of stranded assets implied by the Paris agreement led to a 46\% decrease in bank credit to fossil firms. However, banks have become more selective and have prioritised lending to large and well capitalised fossil firms. Additionally, there is su
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8

Dueker, Michael J., and Daniel L. Thornton. Do Bank Loan Rates Exhibit a Countercyclical Mark-up? Federal Reserve Bank of St. Louis, 1997. http://dx.doi.org/10.20955/wp.1997.004.

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9

Gorton, Gary, and James Kahn. The Design of Bank Loan Contracts, Collateral, and Renegotiation. National Bureau of Economic Research, 1993. http://dx.doi.org/10.3386/w4273.

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10

Correa, Ricardo, Julian di Giovanni, Linda S. Goldberg, and Camelia Minoiu. Trade Uncertainty and U.S. Bank Lending. Federal Reserve Bank of New York, 2023. http://dx.doi.org/10.59576/sr.1076.

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This paper uses U.S. loan-level credit register data and the 2018–2019 Trade War to test for the effects of international trade uncertainty on domestic credit supply. We exploit cross-sectional heterogeneity in banks’ ex-ante exposure to trade uncertainty and find that an increase in trade uncertainty is associated with a contraction in bank lending to all firms irrespective of the uncertainty that the firms face. This baseline result holds for lending at the intensive and extensive margins. We document two channels underlying the estimated credit supply effect: a wait-and-see channel by which
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