Relevant bibliographies by topics / Banking lending

Contents

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

Academic literature on the topic 'Banking lending'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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Journal articles on the topic "Banking lending"

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Nyangara, Davis. "SME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabwe." World Review of Business Research 3, no. 4 (2013): 219–30. https://doi.org/10.5281/zenodo.2548341.

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This paper examines and tests the claim that bank lending technologies are responsible for the low volume of lending to SMEs in Zimbabwe. Based on a survey of directors of SMEs and bank lending officers, tests are conducted to determine if there is any evidence of discrimination against SMEs based on age, management, size, and information attributes. The study reveals that application of uniform lending criteria to SMEs and large corporates does not result in discrimination against SMEs based on age, size, management, or information attributes. Based on this evidence, the study submits that di
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Kumwenda, Thomson, Ronald Mangani, Jacob Mazalale, and Exley Silumbu. "The impact of adopting Basel III liquidity coverage ratio, stable funding ratio, and leverage ratio on lending in the Malawian banking sector." Journal of Accounting, Business and Finance Research 18, no. 1 (2024): 1–11. http://dx.doi.org/10.55217/102.v18i1.748.

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This paper examines the impact of adopting Basel III Liquidity Coverage Ratio, Stable Funding Ratio, and Leverage Ratio on lending in the Malawian banking sector. Malawi’s banking industry regulators are planning to transition to Basel III from the current Basel II regime. This paper pioneers an assessment of the implications of this move for the banking industry. The study uses monthly data for the period January 2010 to December 2022, the Feasible Generalised Least Square (FGLS) Panel Regression model with bank-specific variables (X) and macroeconomic controls (Z). The study finds that Tier
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Donald, L. Buresh Ph.D. Esq. "Essays on Open Banking, Account Portability, Digitizing a Bank, Crypto Lending, and Social Commerce." International Journal of Social Science and Human Research 07, no. 12 (2024): 9399–417. https://doi.org/10.5281/zenodo.14564517.

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This Paper Discusses Five Topics: Open Banking, Account Portability, Bank Digitization, Crypto Lending, And Social Commerce. In The First Section, Open Banking Is Defined, How Open Banking Works Is Described, The Advantages And Disadvantages Of Open Banking Are Highlighted, And Regulations And Open Banking Are Outlined. The Second Section Examines Account Portability. First, It Is Defined, And Its Characteristics Are Listed. Consumer Empowerment And Liquidity Risks Are Considered. The Fall Of Silicon Valley Bank And Signature Bank Are Then Reviewed. The Third Section Appraises Bank Digitizatio
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Patil, Surekha Subhas. "Impact of Lending Practices on the Adoption of Green Banking Practices for the Sustainable Development." Royal International Global Journal of Advance and Applied Research 1, no. 1 (2024): 1–5. https://doi.org/10.5281/zenodo.12800128.

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<strong><u>Abstract</u></strong> &nbsp; &nbsp;<em>The adoption of green banking practices for sustainable development is a pivotal focus in today's financial landscape. This abstract aims to explore the impact of lending practices on the integration and proliferation of green banking initiatives. Lending practices wield significant influence on the adoption of green banking principles within financial institutions. The relationship between lending decisions and sustainable initiatives is multifaceted, impacting not only the financial sector but also broader environmental and societal spheres.
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KHALIL, ULLAH MOHAMMAD, and RAZA KHAN MOHSIN. "EFFECTIVENESS OF GREEN PROJECT SCREENING FOR BANK LENDING: EVIDENCE FROM PAKISTAN." Bulletin of Business and Economics (BBE) 11, no. 1 (2022): 93–103. https://doi.org/10.5281/zenodo.6361352.

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The banking sector is under huge pressure from its different shareholders to carry out its business in ethical ways. Globally greening banking policies are being introduced to encourage green lending. Central bank regulation and policy guidelines positively impact the bankers&rsquo; intention to adopt green banking.&nbsp;&nbsp; This study investigates the impact of green banking policy on the lending of Pakistani banks. &nbsp;Using an unbalanced panel of bank-level quarterly data of listed banks in the PSX from 2016 to 2021, a System Generalized Method of Moments (GMM) analysis is carried out.
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Vangjel, Rovena, and Enida Istrefi. "Relationship Lending Within Banking and Non-Banking Institutions." International Journal of Advanced Studies of Economics and Public Sector Management 13, no. 1 (2025): 22–31. https://doi.org/10.48028/iiprds/ijasepsm.v13.i1.02.

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The purpose of this paper is to analyze the development of the financial system in Albania, how banks and non-banks financial institutions are developed. Albanian financial system is considered bank-based system considering it high concentration of banking shares to the total market. Considering this, financial institutions are the most trustworthy sector where Albanian borrowers use to borrow between banks and non-banks financial institutions. Important sector as hotels, trade, followed by industries and building sector choose banks for their financing. Since markets are not well developed in
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Goryainova, Maria A. "TRENDS IN THE DEVELOPMENT OF CORPORATE LENDING EFFICIENCY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/4, no. 147 (2024): 251–56. http://dx.doi.org/10.36871/ek.up.p.r.2024.06.04.032.

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This article presents the definition and essence of corporate lending, as well as its impact on the Russian banking sector. The analysis of corporate lending for several periods, where there were serious shocks to the national economy, including the banking sector, was carried out. The detailed dynamics of corporate lending volumes for 2023 is presented and evaluated, and relevant conclusions are drawn that, despite the gradual recovery of the banking sector, there are still shortcomings and problems in the development and effectiveness of corporate lending.
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Papi, Luca, Andrea Presbitero, and Alberto Zazzaro. "IMF Lending and Banking Crises." IMF Working Papers 15, no. 19 (2015): 1. http://dx.doi.org/10.5089/9781484308691.001.

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Cull, Robert, Stephen Haber, and Masami Imai. "Related lending and banking development." Journal of International Business Studies 42, no. 3 (2011): 406–26. http://dx.doi.org/10.1057/jibs.2011.1.

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Peña, Guillermo. "Money, Lending and Banking Crises." Economic Papers: A journal of applied economics and policy 36, no. 4 (2017): 444–58. http://dx.doi.org/10.1111/1759-3441.12195.

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Dissertations / Theses on the topic "Banking lending"

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Yang, Jun. "Essays on Corporate Finance and Banking." Thesis, Boston College, 2018. http://hdl.handle.net/2345/bc-ir:108023.

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Thesis advisor: Philip E. Strahan<br>In the first essay of this dissertation, I study the information synergies between deposit-taking and lending activities of large banks. I use the influx of Chinese international students into US universities to identify a local deposit shock. I find that banks that are more exposed to this shock increase their local credit supply in small business loans, but not mortgages. The results support the notion that deposit can be informative: it conveys signals about local economic activities. Such information affects banks expectation about future local demand a
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Johnson, James Stewart. "Secular change pressures in UK corporate bank lending." Thesis, Loughborough University, 1995. https://dspace.lboro.ac.uk/2134/31922.

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This thesis examines the question of the existence of banks as financial intermediaries. It is apparent in UK corporate bank lending that there is a long-term secular decline which is reducing the scale and affecting the form of such lending and which is inducing a redefinition of the role of banks in the financial system. In the final analysis banks exist as a response to market imperfections: scale economies; information asymmetries; monitoring reputation; control facilities; and commitment abilities. These provide alternative conditions defining banks, their position in the financial system
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Black, Lamont K. "Essays on small business lending." [Bloomington, Ind.] : Indiana University, 2007. http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&res_dat=xri:pqdiss&rft_dat=xri:pqdiss:3264326.

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Thesis (Ph.D.)--Indiana University, Dept. of Economics and Dept. of Finance, 2007.<br>Source: Dissertation Abstracts International, Volume: 68-05, Section: A, page: 2094. Advisers: Eric L. Leeper; Gregory F. Udell. "Title from dissertation home page (viewed Jan. 24, 2008)."
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Golodniuk, Inna. "Evidence on the bank lending channel in Ukraine /." Burnaby B.C. : Simon Fraser University, 2005. http://ir.lib.sfu.ca/handle/1892/2022.

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Karamanolis, Padazis Orestes. "The legal implications of sovereign lending through syndicated loan agreements." Thesis, University of Cambridge, 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.304287.

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Enchzajaa, Culuunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitäts-Verlag, 2006. http://dx.doi.org/10.1007/978-3-8350-9007-1.

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Win, Sandar. "Sociological institutionalist approach on banks' lending behavior in Myanmar (Burma)." Thesis, University of Bedfordshire, 2013. http://hdl.handle.net/10547/315809.

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This is an exploratory study which investigated the process by which banks' lending behaviour in Myanmar (Bunna) was influenced by the institutional environment and their responses towards them. The theoretical framework used in this study was primarily drawn upon Scott's new institutional theory. Since the theory focused on the convergent perspective rather than divergent perspective, the theory of Oliver's strategic responses to these institutional pressures, coercive, normative and mimetic, was incorporated in the theoretical framework development. The main method of data collection was int
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Prilmeier, Robert. "Two Essays on Lending and Monitoring." The Ohio State University, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=osu1366124597.

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Ėnchzajaa, Čuluunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitats-Verlag, 2006. https://www.lib.umn.edu/slog.phtml?url=http://www.myilibrary.com?id=134342.

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Elbarouki, Sam. "Executive Banking Leaders and Risk-Management Strategies on Subprime Mortgage Lending." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2254.

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During 2000-2008, subprime mortgage loans were a profitable and popular commodity for banks and lenders alike. The majority of banks that offered this type of mortgage eventually suffered grave financial consequences, largely due to the lack of risk-mitigating processes within their mortgage portfolio. Guided by the stewardship theory, the purpose of this qualitative multiple case study was to explore the risk-mitigation protocols that 4 bank CEOs employed in Northern California used to mitigate the offering of this risky product. Semistructured interviews were used to elicit detailed narrativ
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Books on the topic "Banking lending"

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Weaver, P. M. Banking and lending practice. 4th ed. Lawbook Co., 2001.

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M, Shanahan Kevin, and Australian Institute of Bankers, eds. Banking and lending practice. 3rd ed. Serendip Publications, 1994.

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Rouse, C. N. Applied lending techniques. Bankers Books, 1992.

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Donaldson, T. H. Lending in International Commercial Banking. Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-19027-0.

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1936-, Donaldson T. H., ed. Lending in international commercial banking. 2nd ed. Wiley, 1988.

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Colin, Bell, and Graham Alastair, eds. Bankers' lending techniques. 3rd ed. Global Professional, 2011.

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N, Betrowe Killian, ed. Bank lending, banking, and financial developments. Nova Science Publishers, 2008.

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Davies, Audrey. Banking operations: UK lending and international business. Pitman, 1989.

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Davies, Audrey. Banking operations: UK lending and international business. 2nd ed. Pitman, 1992.

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Beck, Thorsten. Bank supervision and corruption in lending. National Bureau of Economic Research, 2005.

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Book chapters on the topic "Banking lending"

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Whiting, D. P. "Bank Lending." In Mastering Banking. Macmillan Education UK, 1985. http://dx.doi.org/10.1007/978-1-349-17757-8_14.

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Whiting, D. P. "Bank deposits and lending." In Mastering Banking. Macmillan Education UK, 1994. http://dx.doi.org/10.1007/978-1-349-13240-9_8.

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Kokkinis, Andreas, and Andrea Miglionico. "Business and consumer lending." In Banking Law. Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-11.

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Abor, Joshua Yindenaba, Agyapomaa Gyeke-Dako, Vera Ogeh Fiador, Elikplimi Komla Agbloyor, Mohammed Amidu, and Lord Mensah. "Corporate Lending." In Money and Banking in Africa. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-77458-9_9.

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Zeidan, Rodrigo. "Sustainable Lending." In The Green Banking Transition Manual. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-96-2852-0_3.

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Bilan, Andrada, Hans Degryse, Kuchulain O’Flynn, and Steven Ongena. "Securitization and Lending." In Banking and Financial Markets. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-26844-2_2.

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Bilan, Andrada, Hans Degryse, Kuchulain O’Flynn, and Steven Ongena. "Collateral and Lending." In Banking and Financial Markets. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-26844-2_5.

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Pierce, Joseph A. "Banking and Lending Institutions." In Negro Business and Business Education. Springer US, 1995. http://dx.doi.org/10.1007/978-1-4899-1073-8_5.

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Donaldson, T. H. "Syndicated Lending and Modern Forms of Multibank Lending." In Lending in International Commercial Banking. Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-19027-0_5.

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Donaldson, T. H. "Lending to Companies." In Lending in International Commercial Banking. Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-19027-0_2.

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Conference papers on the topic "Banking lending"

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Urazova, S. A. "BANK LOANING OF AGRICULTURE ON THE BASIS OF SUSTAINABLE BANKING PRINCIPLES: WORLD EXPERIENCE AND PROSPECTS FOR RUSSIA." In STATE AND DEVELOPMENT PROSPECTS OF AGRIBUSINESS Volume 2. DSTU-Print, 2020. http://dx.doi.org/10.23947/interagro.2020.2.213-217.

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The article describes the features of bank lending to agriculture, taking into account the focus on achieving sustainable development goals, based on a synthesis of world experience in the use of sustainable banking, including lending to agriculture, recommendations are developed aimed at developing bank lending to agriculture in the Russian Federation based on the ideas of sustainable banking.
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Gusarova, Darya Dmitrievna, and Vadim Yakovlevich Vishnever. "ESSENCE AND PRINCIPLES OF BANKING CONSUMER LOAN." In Russian science: actual researches and developments. Samara State University of Economics, 2020. http://dx.doi.org/10.46554/russian.science-2020.03-1-760/764.

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Srivastava, Varad. "Lending an Ear: How LLMs Hear Your Banking Intentions." In ICAIF '24: 5th ACM International Conference on AI in Finance. ACM, 2024. http://dx.doi.org/10.1145/3677052.3698608.

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Cîrlan, Ana. "Lending activity of legal entities in the current conditions." In International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.52.

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Lately, innovations and technological progress in the banking sector have generated new perspectives for banks in the Republic of Moldova. In the conditions of the financial crisis, both the National Bank of Moldova and the licensed banks pay special attention to the loan portfolio. This indicator reflects the quality of credit portfolio management, which therefore influences the situation of the banking system as a whole. Therefore, the issue of setting up a loan portfolio of the bank, which has minimal risk elements and is able to bring in maximum income, is relevant.
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ZENGIN, Bekir. "Trends in Transition: Fintech Credit Effects on Romanian Bank Stability." In The International Conference on Economics and Social Sciences. Editura ASE, 2024. http://dx.doi.org/10.24818/icess/2024/056.

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This research aims to look into the link between fintech lending and bank stability. In order to establish how fintech lending influences the stability of banks in Romania, regression analysis was performed for the timeframe 2017-2020. In this sense, indicators pertaining to fintech lending, Z-scores, and liquidity were used in the research. The findings of the study underline that improvements in fintech lending impact in a negative way the bank's Z-score. Given the altered competition between organisations in Romania, bank stability might have been threatened by an increase in fintech lendin
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Kakhniashvili, Natia. "OPTIMIZATION OF LENDING SYSTEM IN THE CONDITIONS OF GLOBAL PANDEMIC IN GEORGIA." In Proceedings of the XXX International Scientific and Practical Conference. RS Global Sp. z O.O., 2021. http://dx.doi.org/10.31435/rsglobal_conf/25062021/7602.

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The banking sector is the backbone of the country's economy, where ongoing processes significantly determine the financial stability of the country. In the modern world, this topic does not lose its relevance, moreover, it is becoming more and more the center of attention. As it is known, Georgia is a developing country, where the largest share of the financial sector belongs to the banking sector. Community life, including primarily the business sector, which significantly depends on the effective functioning of the credit sector. The article is dedicated to modern trends, first of all the Co
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Горский, Марк Андреевич. "FEATURES OF MORTGAGE LENDING IN THE RUSSIAN FEDERATION." In Наука. Исследования. Практика: сборник избранных статей по материалам Международной научной конференции (Санкт-Петербург, Август 2020). Crossref, 2020. http://dx.doi.org/10.37539/srp292.2020.17.82.005.

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В статье рассматривается современное положение на рынке ипотечного кредитования РФ, проводится анализ динамики показателей этого рынка, тенденций развития основных финансовых игроков (банковских организаций). Основное внимание уделяется анализу состава и методам классификации рисков ипотечного кредитования. The article discusses the current situation in the Russian mortgage lending market, analyzes the dynamics of this market indicators, development trends, key financial players (banking organizations). The main attention is paid to the analysis of the composition and methods of classifying mo
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Cebotari, Tatiana. "Development of the non-banking market in the Republic of Moldova." In International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.49.

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The qualitative and continuous consolidation of the non-bank lending sector indicates a trend of transforming microfinance intermediaries into institutions that provide financial services professionally, these entities being an affordable alternative for lending to the population as well as small and medium enterprises. The significant dependence of the enterprises on the bank financing and the limited access to alternative financing sources determine that these enterprises are extremely vulnerable in the conditions of restricting the bank credit. The purpose of the research is to describe the
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Рамзаева, Екатерина Петровна, and Оксана Викторовна Кравченко. "ACTUAL PROBLEMS OF CONSUMER LENDING IN RUSSIA." In Сборник избранных статей по материалам научных конференций ГНИИ "Нацразвитие" (Санкт-Петербург, Февраль 2022). Crossref, 2022. http://dx.doi.org/10.37539/feb301.2022.30.89.017.

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В статье рассмотрены проблемы в развитии одной из наиболее значимой в финансовом плане отрасли банковского сектора-потребительском кредитовании. Авторами выявлены проблемы связанные с недостаточным уровнем финансовой грамотности населения и большой зависимостью процентных ставок по кредитным продуктам от ставки рефинансирования. The article deals with the problems in the development of one of the most financially significant branches of the banking sector - consumer lending. The authors identified problems associated with the insufficient level of financial literacy of the population and the h
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Freimanis, Kristaps, and Maija Šenfelde. "Credit creation theory and financial intermediation theory: different insights on banks’ operations." In Contemporary Issues in Business, Management and Economics Engineering. Vilnius Gediminas Technical University, 2019. http://dx.doi.org/10.3846/cibmee.2019.033.

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Purpose – already for more than one hundred years there is an ongoing discussion about the role and function of banks, which subsequently has affected banking regulation. Three theories of banking were dominant in different periods of the 20th century: Credit creation theory (the oldest), Fractional reserve theory, Financial intermediation theory. Authors are contributing to the theoretical discussion with research showing that Credit creation theory and Financial intermediation theory reflect different insights on banks’ operations. Research methodology – literature review (regarding theories
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Reports on the topic "Banking lending"

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Levine, Ross, Chen Lin, Qilin Peng, and Wensi Xie. Communication within Banking Organizations and Small Business Lending. National Bureau of Economic Research, 2019. http://dx.doi.org/10.3386/w25872.

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Cetorelli, Nicola, and Linda Goldberg. Banking Globalization, Monetary Transmission, and the Lending Channel. National Bureau of Economic Research, 2008. http://dx.doi.org/10.3386/w14101.

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He, Zhiguo, Sheila Jiang, Douglas Xu, and Xiao Yin. Investing in Bank Lending Technology: IT Spending in Banking. National Bureau of Economic Research, 2022. http://dx.doi.org/10.3386/w30403.

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Drechsler, Itamar, Hyeyoon Jung, Weiyu Peng, Dominik Supera, and Guanyu Zhou. Credit Card Banking. Federal Reserve Bank of New York, 2025. https://doi.org/10.59576/sr.1143.

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Credit card interest rates, the marginal cost of consumption for nearly half of households, currently average 23 percent, far exceeding the rates on any other major type of loan or bond. Why are these rates so high? To understand this, and the economics of credit card banking more generally, we analyze regulatory account-level data on 330 million monthly accounts, representing 90 percent of the US credit card market. Default rates are relatively high at around 5 percent, but explain only a fraction of cards’ rates. Non-interest expenses and rewards payments are more than offset by interchange
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Lluberas, Rodrigo. Competition and Market Power in the Latin American Banking Sector. Inter-American Development Bank, 2025. https://doi.org/10.18235/0013409.

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The functioning of the banking sector is key for economic growth. In this paper, we first gather banks' balance sheet monthly regulatory information in a consistent manner for seven Latin American countries. Second, we estimate lending markups and deposits markdowns in each country over time. Third, with the estimated markups and markdowns in the different countries we study how they relate with banks' profitability, the cost of credit, credit risk and credit supply. Finally, we explore whether there are differences in markups on lending rates and markdowns on deposit rates between internation
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Caballero, Julián. Do Surges in International Capital Inflows Influence the Likelihood of Banking Crises?: Cross-Country Evidence on Bonanzas in Capital Inflows and Bonanza-Boom-Bust Cycles. Inter-American Development Bank, 2012. http://dx.doi.org/10.18235/0011385.

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This paper asks whether bonanzas (surges) in net capital inflows increase the probability of banking crises and whether this is necessarily through a lending boom mechanism. A fixed effects regression analysis indicates that a baseline bonanza, identified as a surge of one standard deviation from trend, increases the odds of a banking crisis by three times, even in the absence of a lending boom. Thus, a bonanza raises the likelihood of a crisis from an unconditional probability of 4.4 percent to 12 percent. Larger windfalls of capital (two-s.d. bonanzas) increase the odds of a crisis by eight
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Dwyer, Gerald P., Biljana Gilevska, María J. Nieto, and Margarita Samartín. The effects of the ECB’s unconventional monetary policies from 2011 to 2018 on banking assets. Banco de España, 2024. http://dx.doi.org/10.53479/36595.

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We examine the effects of all three major European Central Bank (ECB) unconventional monetary policies since 2011 for euro area banks’ holdings of loans, government securities and cash deposited in central banks. The three ECB policies are longer-term refinancing operations (LTROs), the asset purchase programmes and the ECB’s interest rate on its deposit facility. We also compare the responses of non-crisis and crisis countries to these policies. Our evidence indicates that the ECB’s unconventional monetary policy measures increased bank lending across the euro area countries. The second round
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8

Brassil, Anthony. The Consequences of Low Interest Rates for the Australian Banking Sector. Reserve Bank of Australia, 2022. http://dx.doi.org/10.47688/rdp2022-08.

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There is a vast international literature exploring the consequences of low interest rates for various banking sectors. In this paper, I explore how this international literature relates to the Australian banking sector, which operates differently to other jurisdictions. In the face of low rates, the profitability of Australian banks has likely been less adversely affected than what the international literature would predict, but the flip side to this is that the pass-through of monetary policy to lending rates may have been more muted. I then use a recent advance in macrofinancial modelling to
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9

Gisbert, Josep, and José E. Gutiérrez. Bridging the Gap? Fintech and financial inclusion. Banco de España, 2024. http://dx.doi.org/10.53479/37433.

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The rise of FinTech lenders offers an opportunity to promote financial access but may disrupt banks’ banking efforts. This paper presents a banking model where an incumbent bank specializes in certain niche markets. When a FinTech lender enters, competition intensifies, reducing the bank’s gains from serving some of its niches. Although FinTech lending can help serve certain unattended niches, the bank may abandon others, creating an ambiguous impact on financial inclusion. Financial inclusion may even decline when the FinTech lender is less efficient at serving new niches and better able to c
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10

Caballero, Julián, Jonathon Adams-Kane, and Jamus Lim. Foreign Bank Behavior during Financial Crises. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0011648.

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This paper studies whether lending by foreign banks is affected by financial crises. The paper pairs a bank-level dataset of foreign ownership with information on banking crises and examines whether the credit supply of majority foreignowned banks that underwent home-country crises differs systematically from that of other foreign banks. The baseline results show that banks exposed to homecountry crises in 2007 and 2008 exhibit changes in lending patterns that are lower by between 13 and 42 percent than their non-crisis counterparts. This finding is robust to potential alternative explanations
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