Relevant bibliographies by topics / Credit supply. Bank lending channel

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

Academic literature on the topic 'Credit supply. Bank lending channel'

Author: Grafiati
Published: 11 March 2023
Last updated: 31 July 2025

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Journal articles on the topic "Credit supply. Bank lending channel"

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Correa, Ricardo, Julian di Giovanni, Linda S. Goldberg, and Camelia Minoiu. "Trade Uncertainty and U.S. Bank Lending." International Finance Discussion Paper, no. 1383 (November 2023): 1–50. http://dx.doi.org/10.17016/ifdp.2023.1383.

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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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Kabak, Hande. "Alternative Analysis of Bank Lending Channel in Turkey After 2010." Ekonomik Yaklasim 34, no. 127 (2023): 109. http://dx.doi.org/10.5455/ey.27003.

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Traditional bank lending channel in the monetary transmission explains the relationship between monetary policies of Central Banks and the bank lending behavior. In this article, the existence of traditional bank lending channel and an alternative analysis of bank lending in the monetary transmission of Turkey is investigated between 2011 and 2018 using bank level data and GMM method. Additionally, we indicate whether the reaction of banks differ according to their bank specific caharacteristics. Asset quality, capital adequacy, liquidity ratio, asset size and profitability rates are used as b
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Zhong, Hua, Zijian Feng, Zifan Wang, and Yougui Wang. "Revisiting the monetary transmission mechanism via banking from the perspective of credit creation." National Accounting Review 6, no. 1 (2024): 116–47. http://dx.doi.org/10.3934/nar.2024006.

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<abstract> <p>Many transmission channels of monetary policy have been proposed to enrich and deepen the understanding of its mechanisms. However, some channels have not been clarified, particularly for those unconventional quantitative policies implemented after 2008 financial crisis. In this paper, we develop a unified model of a credit economy where bank regulations and decisions and loanable funds market are placed at a central position, while stocks and flows are incorporated with each other to formulate banks' credit creation and circulation. We find that bank regulations can
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ÖZŞUCA, Ekin Ayşe. "Revisiting the bank lending channel in Turkey under the unconventional monetary policy framework." Business & Management Studies: An International Journal 10, no. 3 (2022): 1011–21. http://dx.doi.org/10.15295/bmij.v10i3.2099.

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This paper provides empirical evidence regarding the bank lending channel under Turkey's unconventional monetary policy framework. Towards this end, the impact of changes in monetary policy stance on bank credit growth is investigated using a dynamic panel data modelling approach between 2011 and 2019. The empirical results reveal cross-sectional heterogeneity in the loan supply of Turkish banks following a change in monetary policy, which implies an operative bank lending channel in the post-2010 period of the policy mix. Small, liquidity-constrained, and inadequately capitalized banks tend t
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Ma, Zhong Hua. "Bank Lending and Trade Credit: Evidence from Chinese Firms." Applied Mechanics and Materials 52-54 (March 2011): 1470–75. http://dx.doi.org/10.4028/www.scientific.net/amm.52-54.1470.

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The determinants and roles of bank lending, which is formal financing channel and outsides the supply chain, and trade credit, which is informal financing channel and insides the supply chain, are analyzed here through listed firms in China over 2006-2009. In our model we consider the trade credit as a complementary role and more important for small firms. Also with the firms different industry classified, we give the performance of bank lending and trade credit respectively. The estimation results and analysis are given detailed in our paper.
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Liberti, José María, and Jason Sturgess. "The Anatomy of a Credit Supply Shock: Evidence from an Internal Credit Market." Journal of Financial and Quantitative Analysis 53, no. 2 (2018): 547–79. http://dx.doi.org/10.1017/s0022109017000837.

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We investigate how financial contracting interacts with lending-channel effects by tracing the anatomy of a credit supply shock using micro-level data from a multinational bank. Borrowers with stronger lending relationships, higher nonlending revenues, and those that pledge collateral, especially outside assets and real estate, experience less credit rationing. Consistent with a tightening of financing constraints post shock, borrower composition shifts toward larger and less risky firms, and loans exhibit higher collateralization rates. Our analysis highlights the value of relationships and s
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ISSAOUI, Ibtissem, and Mahmoud-Sami NABI. "Liquidity Shocks and The Bank Lending Channel: Evidence from Lower-Middle Income Economies." International Journal of Business and Management Research 10, no. 2 (2022): 40–52. http://dx.doi.org/10.37391/ijbmr.100202.

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This paper examines the impacts of central banks’ liquidity injections on commercial banks’ credit supply in thirty-two lower-middle income economies over the period 1990 until 2020. We use a SVAR panel model to analyze the dynamic interactions between the central bank balance sheet policy, bank liquidity, and bank lending. The results show that liquidity injections have a non-significant impact on the credit to the private sector and a persistent positive impact on banks’ liquid reserves. These results confirm the inefficiency of the bank lending channel in transmitting the central bank balan
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Milcheva, Stanimira. "A bank lending channel or a credit supply shock?" Journal of Macroeconomics 37 (September 2013): 314–32. http://dx.doi.org/10.1016/j.jmacro.2013.03.004.

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Cohen, Lee Jeremy, Marcia Millon Cornett, Hamid Mehran, and Hassan Tehranian. "The Effect of State Solvency on Bank Values and Credit Supply: Evidence from State Pension Cut Legislation." Journal of Financial and Quantitative Analysis 53, no. 4 (2018): 1839–70. http://dx.doi.org/10.1017/s0022109018000248.

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We find the financial condition of states impacts bank credit supply through their municipal bond holdings. In particular, we treat sudden political and statutory actions during the 2011 union bargaining rights debates in Wisconsin and Ohio as exogenous shocks to state solvency. We show bank valuations and municipal bond spreads adjust to the announcements, and, over longer horizons, a new lending channel linked to state solvency emerges, whereby banks supply credit as municipal bond appreciations free up capital.
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Kchikeche, Ahmed, Rachid El Fakir, and Driss Mafamane. "Can Conventional Monetary Policy Stimulate Bank Credit? Evidence from a Developing Country." Statistika: Statistics and Economy Journal 104, no. 2 (2024): 163–84. http://dx.doi.org/10.54694/stat.2023.54.

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The predominance of bank credit in financing the economies of less developed countries is prompting policymakers to stimulate this mode of financing. This study tests the ability of conventional monetary policy to stimulate the supply of bank credit to the private sector in Morocco. Based on the lending channel as a theoretical framework, an analytical framework to explore the conduct of monetary policy and the preconditions for the functioning of this channel was developed. In addition, a test of the impact of monetary policy on credit supply was conducted using bank-level data from a represe
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Dissertations / Theses on the topic "Credit supply. Bank lending channel"

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Fabiana, Sabatini. "Essays on Bank Lending." Doctoral thesis, Luiss Guido Carli, 2021. http://hdl.handle.net/11385/213735.

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Sovereign tensions and euro-area banks: a review. The impact of sovereign tensions on bank lending: identifying the channels at work. Collateral in bank lending during the financial crises: a borrower and a lender story.
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Leite, Joana dos Reis Oliveira de Sousa. "The transmission of unconventional monetary policy to bank credit supply : evidence from the TLTROs." Master's thesis, Instituto Superior de Economia e Gestão, 2018. http://hdl.handle.net/10400.5/16409.

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Mestrado em Economia Monetária e Financeira<br>Esta dissertação estuda a transmissão das Operações de Refinanciamento de Prazo Alargado Direcionadas (TLTRO) para a oferta de crédito pelo setor bancário na área do Euro e, em particular, em Portugal, através de uma abordagem de dados em painel. Para os países da área do Euro, verificámos uma correlação positiva entre as TLTRO e o montante de crédito concedido pelos bancos à economia real. Na área do Euro, os efeitos das TLTRO no montante de crédito concedido aumentam ao longo do período em análise e são mais fortes nos países menos vulneráveis.
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Khosravi, Taha. "The bank lending channel : an empirical assessment of measures to stimulate bank lending in the European Union." Thesis, University of Sussex, 2018. http://sro.sussex.ac.uk/id/eprint/75171/.

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This thesis first examines the role of banks in the transmission mechanism of monetary policy by focusing on the eight European new member States of Central and Eastern Europe over the 2004-2013 period. We specifically investigate the influence of monetary policy changes on bank lending activity and if this potential influence is contingent on bank characteristics, such as banks' size, capital, liquidity, risk factor and market power. Moreover, we focus on the prospective role of banks in the monetary policy transmission mechanism in order to reveal any clear trends in banks' lending behaviour
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Nyiranshuti, Claudette. "Monetary policy transmission mechanism in Rwanda: review of the bank lending channel post 1994." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/3923.

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This research attempts to empirically examine the bank-lending channel in monetary policy transmission in Rwanda, using quarterly data for the period 1996Q1 to 2011Q4. The responses of the loans supply, real output, prices, and deposits to monetary policy innovations were investigated in this research, using impulse response functions and variance decompositions obtained from a Vector Autoregressive model (VAR). Estimation results revealed that the bank lending channel in Rwanda is less effective. The findings suggest that although monetary policies working through interest rates have a signif
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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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Chen, Conghui. "The incentive structure of the originate-to-distribute model of lending, bank credit supply and risk taking behaviour of U.S. commercial banks." Thesis, University of Nottingham, 2015. http://eprints.nottingham.ac.uk/30868/.

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The Originate-to-distribute (OTD) model allows banks to sell or securitize loans rather than holding them until maturity. We investigate the incentives for using OTD lending and its impact on credit supply and bank risk taking behavior based on their involvements in the OTD model and bank size. Banks involved into OTD lending have more OTD loans and riskier mortgage portfolios. Funding cost reduction and liquidity needs are more important for high-OTD banks and small banks and regulatory capital arbitrage can only be found in small banks. Moreover, we find that OTD lending increase credit supp
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Holmberg, Karolina. "Empirical Essays in Macroeconomics and Finance." Doctoral thesis, Stockholms universitet, Nationalekonomiska institutionen, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:su:diva-72259.

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Derivation and Estimation of a New Keynesian Phillips Curve in a Small Open Economy This paper explores how well Swedish inflation is explained by a New Keynesian Phillips Curve. As the real driving variable in the Phillips Curve, a measure of firms' real marginal cost is compared to the traditional output gap. The results show that, with real marginal cost in the Phillips Curve equation, the point estimates generally have the expected positive sign, which is less frequently the case with the output gap. However, with both real marginal cost and the output gap, it is difficult to pin down a st
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Helmi, Mohamad Husam. "Essays on monetary policy with Islamic banks." Thesis, Brunel University, 2016. http://bura.brunel.ac.uk/handle/2438/12849.

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This thesis examines three different aspects of monetary policy in a varying sample of developing countries, with some Islamic banks. The first essay estimates a variety of interest rate rules for the conduct of monetary policy for Indonesia, Israel, South Korea, Thailand and Turkey, in both high and low inflation conditions. The findings are that the reaction of monetary policy to both inflation and output gaps differs between the high and low inflation regimes and that the exchange rate channel is important only in the low inflation regime. The second essay examines the bank lending channel
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Graminho, Flávia Mourão. "O canal de empréstimos bancários no Brasil: uma evidência microeconômica." reponame:Repositório Institucional do FGV, 2002. http://hdl.handle.net/10438/19.

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Made available in DSpace on 2008-05-13T13:15:56Z (GMT). No. of bitstreams: 1 1417.pdf: 79747 bytes, checksum: d7ef21a3489fe76ed1ff668e7579137b (MD5) Previous issue date: 2002-05-27<br>The aim of this thesis is to investigate the existence and relevance of the bank-lending channel in Brazil. For that purpose we use balance-sheet data of Brazilian financial institutions, and adopt a methodology based in Kashyap and Stein (2000), who use twostage and panel estimations. We find that restrictive monetary policy – represented by interest rate increases – lower the sensibility of bank lending to
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Melander, Ola. "Empirical essays on macro-financial linkages." Doctoral thesis, Stockholm : Economic Research Institute, Stockholm School of Economics (EFI), 2009. http://www2.hhs.se/efi/summary/790.htm.

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Books on the topic "Credit supply. Bank lending channel"

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Black, Lamont K. How the credit channel works: Differentiating the bank lending channel and the balance sheet channel. Federal Reserve Bank of Chicago, 2007.

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Jorge, Martínez Pagés, ed. Is there a bank lending channel of monetary policy in Spain? Banco de España, Servicio de Estudios, 2001.

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Célérier, Claire, Thomas Kick, and Steven Ongena. Changes in the Cost of Bank Equity and the Supply of Bank Credit. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198815815.003.0010.

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We explore the effect of tax reforms that decrease the cost of equity on bank lending. In 2000 and 2006, Italy and Belgium, respectively, introduced an allowance for corporate equity so that both firms and banks could deduct a notional interest on their equity from their taxable income. Because local firms were also affected by these reforms, we employ loan-level data from a credit register in a third country—Germany—to better identify the differential impact on lending by banks that were ‘treated’ by these tax reforms versus a control group of banks that were not. We find that the decrease in
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Morais, Bernardo, José-Luis Peydró, and Claudia Ruiz. The International Bank Lending Channel of Monetary Policy Rates and Quantitative Easing: Credit Supply, Reach-for-Yield, and Real Effects. The World Bank, 2015. http://dx.doi.org/10.1596/1813-9450-7216.

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Book chapters on the topic "Credit supply. Bank lending channel"

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Gilchrist, Simon, and Egon Zakrajšek. "Bank Lending and Credit Supply Shocks." In The Global Macro Economy and Finance. Palgrave Macmillan UK, 2012. http://dx.doi.org/10.1057/9781137034250_9.

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Xu, Ying, and Hai Anh La. "Spillovers of the United States’ Unconventional Monetary Policy to Emerging Asia." In Macroeconomic Shocks and Unconventional Monetary Policy. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780198838104.003.0006.

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This chapter assesses the spillover effects of the United States’ unconventional monetary policy on the Asian credit market. With a focus on cross-border bank lending, it employs firm-level loan data with regard to the syndicated loan market and measures the international bank lending channel through changes in United States dollar-denominated loans extended to Asian borrowers. It finds that the growth of dollar credit in Asia increased substantially in response to quantitative easing in the US financial market. The results of this study confirm the existence of the bank lending channel in Asi
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Lie, Einar. "A Bank with a Divided Mandate." In Norges Bank 1816-2016. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198860013.003.0003.

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This chapter examines the two mandates of Norges Bank. In autumn of 1818, Norges Bank began providing ordinary services to the public, discounting bills and lending directly against real estate. The institution was now both the nation’s bank of issue and its sole bank. Expectations of what the bank was to achieve pulled in two diametrically opposed directions. On the one hand, the bank was to take control of the inflated monetary system and bring the value of money back to par, namely the silver value guarantee issued when the Storting established the bank in 1816. Based on both contemporary a
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"1 Introduction." In Financial Collateral, edited by Haentjens Matthias. Oxford University Press, 2020. http://dx.doi.org/10.1093/law/9780198816935.003.0001.

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This introductory chapter provides a background and overview of financial collateral. One of the most significant changes in which financial markets have functioned since the global financial crisis is the 'flight to security'. Both the need for secured lending as well as regulatory requirements to reduce credit risk have contributed to the increased need for collateral, i.e. for liquid, high-quality assets that may be used as collateral. On the one hand, increasing concerns about counterparty risk have meant that secured borrowing and lending have become the normal means by which funding is a
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Yue, Haoran, Jingwen Xu, Jingmai Wang, Dilang Wu, and Baozhuang Niu. "A General Introduction and Overview of Supply Chain Finance." In Green Finance for Sustainable Global Growth. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7808-6.ch001.

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Supply chain finance (SCF) is a new finance service mode surrounding the core enterprises in the supply chain. Different from the traditional finance service, SCF focuses on the trading process rather than the bank credit. Depending on the large trading data and process gathered by core enterprises, SCF is able to effectively integrate the flows of information, logistics, and funds, which transforms the numerous risks of many single enterprises into the controllable risks of the entire supply chain. Therefore, SCF is capable of providing comprehensive finance service regardless of companies' s
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Reports on the topic "Credit supply. Bank lending channel"

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Pagliacci, Carolina, and Ana María Chirinos-Leañez. Credit Supply in Venezuela: A Non-Conventional Bank Lending Channel? Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0011796.

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This paper evaluates whether fiscal and foreign exchange policy shocks canexplain both credit and credit supply in Venezuela. Empirical evidence suggests that between 65 and 90 percent of credit growth is linked to the buildup of banks' deposits caused by the monetary effects of fiscal expansions. For these cases, since credit is provided at equal or reduced interest rates, credit supply takes place. Loan supply can occur either endogenously, when fiscal domestic spending increases with expansionary aggregate supply shocks, or exogenously, when fiscal policy shocks emerge. The role of exogenou
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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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Chirinos-Leañez, Ana María, and Carolina Pagliacci. Credit Supply in Venezuela: A Non-Conventional Bank Lending Channel? Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0000681.

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Fabiani, Andrea, Martha López, José-Luis Peydró, Paul E. Soto, and Margaret Guerrero. Capital Controls, Domestic Macroprudential Policy and the Bank Lending Channel of Monetary Policy. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1162.

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We study how capital controls and domestic macroprudential policy tame credit supply booms, respectively targeting foreign and domestic bank debt. For identification, we exploit the simultaneous introduction of capital controls on foreign exchange (FX) debt inflows and an increase of reserve requirements on domestic bank deposits in Colombia during a strong credit boom, as well as credit registry and bank balance sheet data. Our results suggest that first, an increase in the local monetary policy rate, raising the interest rate spread with the United States, allows more FX-indebted banks to ca
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Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1181.

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How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to
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Agarwal, Sumit, Sergio Mayordomo, María Rodríguez-Moreno, and Emanuele Tarantino. Household Heterogeneity and the Lending Channel of Monetary Policy. Banco de España, 2025. https://doi.org/10.53479/39825.

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This paper examines how monetary policy affects corporate lending through its impact on household balance sheets, bridging the gap between the cash flow and bank lending channels. When policy rates rise, households with variable-rate debt face higher monthly payments, prompting early mortgage repayments, particularly among high-income borrowers. Exploiting the monetary tightening between July 2022 and September 2023 as a policy experiment, we show that banks that are more exposed to variable-rate mortgages granted to higher-income households increase their supply of corporate credit, especiall
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Lai, Sharon, Kevin Lane, and Laura Nunn. The Term Funding Facility: Has It Encouraged Business Lending? Reserve Bank of Australia, 2022. http://dx.doi.org/10.47688/rdp2022-07.

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The Reserve Bank of Australia's Term Funding Facility (TFF) was announced in March 2020 as part of a package of policy measures to support the Australian economy. It achieved a key objective of providing banks with three-year low-cost funding and was available for drawdown until 30 June 2021. This paper examines the effectiveness of the TFF in increasing the supply of credit to businesses, which was another one of the objectives of the program. Using bank-level data and a difference-in-differences approach, we find no statistically significant evidence that the TFF increased credit supply to b
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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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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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Casado, Alejandro, and David Martínez-Miera. Local lending specialization and monetary policy. Banco de España, 2024. http://dx.doi.org/10.53479/37912.

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We provide evidence that bank loan supply reactions to monetary policy changes are market-specific, emphasizing the importance of banks’ local specialization. We analyze the U.S. mortgage market and find that when monetary policy eases, banks increase new mortgage lending growth more in markets in which they are geographically specialized relative to other markets and banks. This holds after controlling for local lending opportunities and (unobservable) bank differences. Further empirical findings, supported by a simple model, suggest that banks face market-specific differences in lending adva
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