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

Author: Grafiati

Published: 11 March 2023

Last updated: 31 July 2025

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1

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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2

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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3

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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5

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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7

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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8

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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9

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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10

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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11

Dr. Nasir Munir, Dr. Zoya Wajid Satti, Muhammad Omair khan, and Naila Zulqarnain. "Credit Supply Response to Monetary Policy: Evidence from Pakistan." Journal for Social Science Archives 3, no. 2 (2025): 98–109. https://doi.org/10.59075/jssa.v3i2.220.

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The research analyzes the effects of monetary policy on banking credit supply in Pakistan by filling a significant research gap by simultaneously studying bank-specific qualities combined with macroeconomic elements from an emerging economic perspective. The study incorporates 24 Pakistani commercial banks and 17 years of data through GMM analysis to assess how monetary instruments shape loan decision-making by banking institutions. During analysis, the study employs bank-specific metrics like size and liquidity, capital adequacy and profitability, credit risk metrics, and macroeconomic elemen

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12

PRAO, Yao Séraphin, Brou Emmanuel AKA, and N’guessan Ferdinand Nicaise DJA. "Threshold Effect in the Bank Lending Channel of Monetary Policy Transmission and the Role of Bank Portfolio Deterioration: A PSTR Specification in the WAEMU Zone." International Research in Economics and Finance 7, no. 1 (2023): 1. http://dx.doi.org/10.20849/iref.v7i1.1355.

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The objective of this paper is to analyse the influence of monetary policy on credit supply in the WAEMU zone over the period 1996-2017. The study focuses on the WAEMU countries, except for Guinea-Bissau, due to the unavailability of sufficient data. We apply the Panel Smooth Transition Regression (PSTR) model of Gonzalez et al. (2005). The results reveal the non-linearity of the link between monetary policy and credit supply. There is a threshold of credit risk exposure of 8.726% above which monetary policy loses its effectiveness. Indeed, monetary policy has a positive effect on the supply o

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13

Afdol, Al, Mardiana Mardiana, and Any Widayatsar. "Analysis Of Interest Rate Through Credit Channel And The Amount Of The Money Circulation On Indonesian Economic Growth 2005 – 2019." Jurnal Keuangan dan Perbankan (KEBAN) 1, no. 2 (2022): 47–58. http://dx.doi.org/10.30656/jkk.v1i2.4821.

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The purpose of this study was to analyze the relationship between Interest Rates Through Credit Channels and the Money Supply on Indonesia's Economic Growth. The data used in this study is time series data from 2005 to 2019, sourced from Bank Indonesia (BI) and the Central Statistics Agency (BPS). The analytical method used in this study is Vector Autoregression (VAR) using the Eviews version 10.0 computer application program. The results show that interest rates have a negative and significant effect on lending in the short term, lending as a variable connecting interest rates has a positive

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14

Huynh, Japan. "Is competition good or bad for the price, quantity, and quality of bank lending?" PLOS ONE 18, no. 8 (2023): e0287002. http://dx.doi.org/10.1371/journal.pone.0287002.

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This paper extends the existing literature by examining an important channel through which bank competition could drive the real economy by comprehensively influencing bank lending in three components–price, volume, and quality. For the measurement of bank competition, we build a series of different structural (concentration indicators) and non-structural (Lerner, Boone, and Panzar-Rose H-statistic indexes) measures, given that the reliance on solely one individual measure could lead to a misleading conclusion. Through a sample of commercial banks during 2007–2021 in a single Vietnamese bankin

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15

De Marco, Filippo. "Bank Lending and the European Sovereign Debt Crisis." Journal of Financial and Quantitative Analysis 54, no. 1 (2018): 155–82. http://dx.doi.org/10.1017/s0022109018000510.

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I investigate whether bank exposures to sovereign debt during the European debt crisis affected the real economy. I show that a shock to the marked-to-market (MTM) value of bank exposures to sovereign debt led to credit tightening in 2010–2011 that had negative real effects on small and young firms. Because banks do not usually mark their holdings of sovereign bonds to market, I explore the transmission channels of the unrealized losses on credit supply. I show that a shock to MTM exposures reduced short-term bank funding from U.S. money market funds rather than affecting equity or working thr

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16

Awdeh, Ali, Zouhour Jomaa, and Mohamad Kassem. "The Effect of Bank Heterogeneity on the Interest Rate Channel in Lebanon." Journal of Central Banking Theory and Practice 9, no. 1 (2020): 81–95. http://dx.doi.org/10.2478/jcbtp-2020-0005.

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AbstractThe effect of bank heterogeneity on the transmission of monetary policy is capturing an increasing attention, and the debate on how bank specific characteristics may determine their reaction to monetary actions is mounting. This paper participates in this flow of research by studying the reaction of 40 banks operating in Lebanon between 1994 and 2017, to a change in lending interest rate, taking into consideration: size, market power, capitalisation, credit risk, and liquidity. The empirical results show that the impact of a change in interest rate on loan supply depends on bank market

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17

Berrospide, Jose M., Arun Gupta, and Matthew P. Seay. "Un-used Bank Capital Buffers and Credit Supply Shocks at SMEs during the Pandemic." Finance and Economics Discussion Series 2021, no. 041 (2021): 1–38. http://dx.doi.org/10.17016/feds.2021.043.

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Did banks curb lending to creditworthy small and mid-sized enterprises (SME) during the COVID-19 pandemic? Sitting on top of minimum capital requirements, regulatory capital buffers introduced after the 2008 global financial crisis (GFC) are costly regions of "rainy day" equity capital designed to absorb losses and provide lending capacity in a downturn. Using a novel set of confidential loan level data that includes private SME firms, we show that "buffer-constrained" banks (those entering the pandemic with capital ratios close to this regulatory buffer region) reduced loan commitments to SME

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18

NGUYỄN PHÚC, CẢNH, ANH NGUYỄN QUỐC, and QUÂN NGUYỄN HỒNG. "Effects of Bank Characteristics on Transmission of Monetary Policy Through Bank Lending Channel in Vietnam." Journal of Asian Business and Economic Studies 219 (January 1, 2014): 49–65. http://dx.doi.org/10.24311/jabes/2014.219.1.02.

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Credits from commercial banks influence various economic components, such as investment and consumption of durables and changes in monetary policy and therefore, affect the economy through supply of credits by commercial banks. This paper explores transmission of monetary policy through commercial bank lending channel in Vietnam in 2003-2012 by examining reaction of each bank to changes in monetary policy. Authors use the GMM (generalized method of moments) for panel data gathered from financial statements of commercial banks in 2003-2012. Results show that GMM helps detect the existence of ba

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19

Silalahi, Pristanto, and Telisa Aulia Falianty. "The Risk-Taking Channel and Monetary Transmission Mechanisms in Indonesia." Jurnal Ekonomi dan Studi Pembangunan 15, no. 1 (2023): 124. http://dx.doi.org/10.17977/um002v15i12023p124.

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This study aims to analyze monetary and macroprudential policies through risk taking banks in Indonesia. The importance of risk-taking channel analysis in the transmission mechanism of monetary policy is that it is a newer route and is different from the bank lending channel that has been previously proposed in monetary policy theory. This risk-taking channel affects the supply of credit by banks through the bank's decision to channel credit based on changes in bank behavior in dealing with bank risk. The study also recognizes the impact of monetary and macroprudential policies and the role of

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20

Thirunavukkarasu, Dr S., and T. Lashmi Pradha. "Transmission mechanism of monetary policy in India - An Expost Study." JOURNAL OF DEVELOPMENT ECONOMICS AND MANAGEMENT RESEARCH STUDIES 09, no. 13 (2022): 48–60. http://dx.doi.org/10.53422/jdms.2022.91306.

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The transmission mechanism of monetary policy is correlated to lending which expands aggregate demand in the economy. The banking system form an important place in the monetary policy transmission. The channels of monetary policy transmission are: Interest Rate Channel, Credit or Loan Supply Channel, Exchange Rate Channel, and Asset Price Channel. The financial prices include interest rates, exchange rates, yields, asset prices, and equity prices, and the financial quantities consists of money supply, credit aggregates, supply of government bonds and foreign denominated assets. RBI uses variou

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21

Montes, Gabriel Caldas, and Gabriel Gonçalves do Vale Monteiro. "Monetary policy, prudential regulation and investment." Journal of Economic Studies 41, no. 6 (2014): 881–906. http://dx.doi.org/10.1108/jes-12-2012-0173.

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Purpose – The purpose of this paper is to analyze the influence of prudential regulation and monetary policies on the supply of credit as well as the influence of such policies on the aggregate investment through the credit channel in Brazil. Design/methodology/approach – The empirical analysis is based on estimates through ordinary least squares (OLS), generalized method of moments (GMM), system of equations through GMM (system-GMM), and impulse response functions through vector autoregressive (VAR). Findings – The results suggest that monetary policies and prudential regulation affect aggreg

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22

Silva, Igor Ézio Maciel, Jocildo Fernandes Bezerra, and Ricardo Chaves Lima. "Determinantes de longo prazo do crédito no Brasil: Liquidez versus Capital Bancário." Brazilian Review of Finance 14, no. 3 (2016): 375. http://dx.doi.org/10.12660/rbfin.v14n3.2016.59195.

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This study addresses the issue of the bank-lending channel in Brazil, with monthly aggregated data for the period 2004:12 to 2013:11. Using Vector Error Correction Model (VECM), the paper identifies the functions of long-term demand and supply of bank loans through exclusion restrictions and exogeneity, applied to the estimated cointegration relations. The research extends previous results (Mello and Pisu, 2010) for Brazil, showing that the supply of loans depends on the banking spread and that, for the analyzed period, the stock of bank credit contains information about the future path of inf

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23

Turguttopbas, Neslihan. "Perspectives on Monetary Policy and Cost of Capital: Evidence from Turkey." Journal of Central Banking Theory and Practice 6, no. 2 (2017): 45–64. http://dx.doi.org/10.1515/jcbtp-2017-0012.

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Abstract The target of monetary policy is generally set as to create an environment of manageable employment and affordable long-term interest rates. However, priorities of central banks may differ depending on economic and financial circumstances of individual countries. Modern approaches to monetary policy transmission can be grouped under two headings, Money View and Credit View. The money view concentrates on interest rates to explain the effects of monetary policy on aggregate spending by creating an interest rate channel. The credit channel transmission approach focuses on the supply of

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24

Xie, Xiaofeng, Yang Yang, Kai Xu, and Zongfang Zhou. "Associated Credit Risk Contagion and Spillover Effect Based on Supply Chain Buy-Back Guarantee Contract." Mathematical Problems in Engineering 2019 (June 10, 2019): 1–17. http://dx.doi.org/10.1155/2019/4292589.

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We take the supply chain with a supplier and a retailer as the research objects and study the contagion and spillover effect of the associated credit risk in the supply chain under the scenario of the buy-back guarantee contract. The associated credit risk in the supply chain refers to the phenomenon that the credit default of the retailer causes the credit default of the supplier or increases the probability of default. The buy-back guarantee in the supply chain refers to the assumption by the retailer of the supplier’s buy-back contract as a financing mechanism. At present, the buy-back guar

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25

Bottero, Margherita, Simone Lenzu, and Filippo Mezzanotti. "Sovereign debt exposure and the bank lending channel: Impact on credit supply and the real economy." Journal of International Economics 126 (September 2020): 103328. http://dx.doi.org/10.1016/j.jinteco.2020.103328.

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26

Bashir, Uzma, and Dr Asad Zaman. "Credit Channel of Monetary Transmission Mechanism: New Insight from SVAR-DAG Approach." Foundation University Journal of Business & Economics 6, no. 1 (2021): 127–46. http://dx.doi.org/10.33897/fujbe.v6i1.440.

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The credit channel of monetary transmission mechanism gains significant importance after global financial crises. The present study has investigated the credit channel for an emerging economy of Pakistan, which has an underdeveloped financial sector. The study has collected monthly data from June 2006 to June 2018 on credit to the private sector (CPRVS), interest rate, money supply, price level, and industrial production index. The study has contributed to the empirical literature by investigating the contemporaneous causal relationships among the variables. Further, the study has investigated

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Wang, Chien-An, and Chin-Oh Chang. "International Real Estate Review." International Real Estate Review 11, no. 1 (2008): 38–64. http://dx.doi.org/10.53383/100089.

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Since the 1997 Asian financial crisis, the monetary authority of Taiwan decreased the interest rate nine times and had every intention to maintain a loose monetary policy. However, the lending amounts to the construction industry decreased much more sharply in spite of an increased monetary supply. Hence, the loose monetary policy has not reduced the financial constraints of the construction firms in Taiwan. In this paper, we investigate that the credit channel of monetary policy how to works at the Taiwan’s construction industry. We explain the reasons for financial constraints in the constru

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28

Davlatov, Elyor, and Judit Sági. "The Transmission Mechanism of Monetary Policy and Central Bank Digital Currency: A New Monetary Order?" Journal of Central Banking Theory and Practice 14, no. 1 (2025): 95–119. https://doi.org/10.2478/jcbtp-2025-0006.

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Abstract Over the last decade, monetary policy frameworks and instruments have undergone significant modifications. In this regard, Central Bank Digital Currency (CBDC) has emerged as a new money invention to offset the advancement of cryptocurrencies and maintain central ability to distribute cash as a common good. Thus, the purpose of this study is to examine how the adoption of CBDC can change monetary policy transmission mechanism. CBDC can disintermediate the conventional banking industry and produce inflationary pressure through the money supply unless central banks adopt suitable regula

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García-Posada, Miguel, and Marcos Marchetti. "The bank lending channel of unconventional monetary policy: The impact of the VLTROs on credit supply in Spain." Economic Modelling 58 (November 2016): 427–41. http://dx.doi.org/10.1016/j.econmod.2016.05.002.

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30

Obinne, Ugwuanyi Georgina, Efanga Udeme Okon, and Okanya Ogochukwu Chinelo. "Monetary Policy Transmission Paths and Money Supply in Sub-Saharan Africa: Evidence from Nigeria and Ghana." International Journal of Business Management and Finance Research 4, no. 2 (2021): 55–74. http://dx.doi.org/10.53935/26415313.v4i2.187.

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The main objective of this study gears towards evaluating monetary policy transmission paths and money supply in Sub- Saharan Africa: evidence from Nigeria and Ghana from1981- 2018. The Central Bank of Nigeria, Bank of Ghana and World Bank, World Development Indicator of 2018 furnished us with the data used for analysis. This study explored three different monetary policy transmission channels: interest rate, credit and asset pricing transmission channels and these variables were regressed on money supply in both countries using Auto Regressive Distributed Lag (ARDL) Model estimation technique

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31

Morais, Bernardo, Jose-Luis Peydro, and Claudia Ruiz. "The International Bank Lending Channel of Monetary Policy Rates and QE: Credit Supply, Reach-for-Yield, and Real Effects." International Finance Discussion Paper 2015, no. 1137 (2015): 1–47. http://dx.doi.org/10.17016/ifdp.2015.1137.

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32

MORAIS, BERNARDO, JOSÉ‐LUIS PEYDRÓ, JESSICA ROLDÁN‐PEÑA, and CLAUDIA RUIZ‐ORTEGA. "The International Bank Lending Channel of Monetary Policy Rates and QE: Credit Supply, Reach‐for‐Yield, and Real Effects." Journal of Finance 74, no. 1 (2019): 55–90. http://dx.doi.org/10.1111/jofi.12735.

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Strobel, Johannes, Kevin D. Salyer, and Gabriel S. Lee. "Uncertainty, agency costs and investment behavior in the Euro area and in the USA." Journal of Asian Business and Economic Studies 25, no. 1 (2018): 122–43. http://dx.doi.org/10.1108/jabes-04-2018-0007.

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Purpose The purpose of this paper is to analyze the credit channel effects on investment behavior for the US and the Euro area. Design/methodology/approach This paper uses the dynamic stochastic general equilibrium model and calibrates a version of the Carlstrom and Fuerst’s (1997) agency cost model of business cycles with time-varying uncertainty in the technology shocks that affect capital production. To highlight the differences between the US and European financial sectors, the paper focuses on two key components of the lending channel: the risk premium associated with bank loans and the b

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EFUNTADE, Olubunmi Omotayo, and Alani Olusegun EFUNTADE. "Xraying Economic and Financial Theories of Distribution of Banks’ Credits and Profitability of Banks." WORLD JOURNAL OF FINANCE AND INVESTMENT RESEARCH 7, no. 1 (2023): 28–48. http://dx.doi.org/10.56201/wjfir.v7.no2.2023.pg28.48.

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The paper reviewed Theoretical framework, neo-classical economics and modern finance theory: Commercial Loan Theory, Credit Risk Theory, Theory of Bank-Based Financial System, Debt intermediary hypothesis, Preference-Adverse Selection Theory, Financial Intermediation Theory, Supply leading theory, Loan Pricing Theory, Shiftability Theory Of Liquidity, Agency Theory, Theories of Economic Growth, Harrod–Domar Model, Solow–Swan Model, Theories of liquidity management, Liability/Liquidity Management Theory, Liquidity Preference Theory, theories of profitability, Profit Maximization Theory, Clark T

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GOGICHAEV, Ch A. "UNCONVENTIONAL MONETARY POLICY AND A MODERN VIEW ON CASH ISSUES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5, no. 10 (2020): 15–21. http://dx.doi.org/10.36871/ek.up.p.r.2020.10.05.003.

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In the aftermath of the 2008 global financial crisis, central banks in developed countries began to resort to unconventional monetary policy measures as interest rates approached zero. Such actions have led to the expansion of the balance sheets of central banks due to the abnormal growth of excess reserves. The article discusses the misconception that such an increase in the monetary base can directly affect the volume of money supply through the action of the money multiplier mechanism and the narrow credit channel of the transmission mechanism. The opinion disputed that non-traditional meas

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Bhusare, Shital Prakash, and Ruby Chanda. "Micro-Finance & Micro-Credit for Sustainable Development." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 6, no. 3 (2017): 365. http://dx.doi.org/10.21013/jmss.v6.n3.p4.

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<div><p><em>Poverty is one of the biggest challenges to the development of a developing country like India where a major population is living in rural and semi-urban areas. Institutional credit is considered as a powerful tool for alleviating poverty. Microfinance is the supply of loans, savings, and other basic financial services to the poor. As the financial services of microfinance usually involve small amounts of money – small loans, small savings etc. the term "Microfinance" helps to differentiate these services from those of commercial banks. Microfinance in India has b

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Andrieieva, Olena. "MORTGAGE LENDING AS A FACTOR OF SOCIAL AND ECONOMIC DEVELOPMENT OF THE COUNTRY." Collection of scientific research papers State University of Infrastructure and Technologies Section “Economics and Management”, no. 55 (June 28, 2024): 6–12. http://dx.doi.org/10.32703/2664-2964-2024-55-6-12.

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A mortgage and a mortgage loan are components of the mortgagesystem, the evolution of which dates back several millennia. During this period, there was a transformation of views on the mortgage -from a pledge -a plot of land to an understanding of the mortgage as a financial instrument in the mechanism of socio-economic development of the country.In the lands of Ukraine, the mortgage system arises and develops simultaneously with the development of banking. At the end of the 19th and the beginning of the 20th centuries. a network of mortgage banks was formed on the territory of Ukraine, and mo

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Nilsen, Jeffrey H. "Trade Credit and the Bank Lending Channel." Journal of Money, Credit, and Banking 34, no. 1 (2002): 226–53. http://dx.doi.org/10.1353/mcb.2002.0032.

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Pratama, Dewi Pardian Intan, and Phany Ineke Putri. "Determinants of Bank Credit in Indonesia." Efficient: Indonesian Journal of Development Economics 5, no. 3 (2022): 254–66. http://dx.doi.org/10.15294/efficient.v5i3.54629.

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This study aims to determine and analyze the long-term and short-term effects of internal banking factors (CAR, LDR, NPL) and banking external factors (GDP, Inflation, Interest Rates, Money Supply, Industrial Production Index) on lending to commercial banks. The analytical method used is the Error Correction Model (ECM). The data used is time series data, which is compiled periodically in a monthly analysis from January 2014 to December 2020 in a time series. CAR and NPL have a significant negative effect on lending. In the short term, the LDR, GDP, Money Supply, and Industrial Production Inde

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Ademokoya, Alade Ayodeji, Mubaraq Sanni, Lukman Adebayo Oke, and Segun Abogun. "Impact of Monetary Policy on Bank Credit in Nigeria." Journal of Accounting Research, Organization and Economics 3, no. 3 (2020): 196–205. http://dx.doi.org/10.24815/jaroe.v3i3.17879.

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Objective – The aim of this study is to examine the impact of monetary policy on credit creation ability of banks in Nigeria. Specifically, it investigates the impact of monetary policy rate, money supply, liquidity ratio, and change in maximum lending rate on bank credit in Nigeria. Design/methodology – A monthly time series data from 2007-2019 were sourced from the Central Bank’s of Nigeria statistical bulletin. The sourced data was subjected to multiple regression analysis using the fully modified ordinary least square regression to estimate the parameters of the model. Results – Findings r

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Ezam, Quratulain. "Bank Lending (Credit) Channel of Monetary Transmission Mechanism." Journal of Business and Social Review in Emerging Economies 4, no. 1 (2018): 93–100. http://dx.doi.org/10.26710/jbsee.v4i1.371.

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The significance of channel of bank lending for the process of transmission of monetary policy is examined employing the model of ARDL (Auto-regressive-distributed lag). This recently established bound test is used in order to determine the description of this model. The data that has been used for this research is based on secondary data of 7 years. The results appear constant with the hypothesis that providing by banks with comparatively frail capital responds great, the modification in the stance of monetary policy than providing by improved capitalized banks.

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Gupta, Arun, Horacio Sapriza, and Vladimir Yankov. "The Collateral Channel and Bank Credit." Finance and Economics Discussion Series 2022, no. 024 (2022): 1–59. http://dx.doi.org/10.17016/feds.2022.024.

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Our paper studies the role of the collateral channel for bank credit using confidential bank-firm-loan data. We estimate that for a 1 percent increase in collateral values, firms pledging real estate collateral experience a 12 basis point higher growth in bank lending with higher sensitivities for more credit constrained firms. Higher real estate values boost firm capital expenditures and lead to lower unemployment and higher employment growth and business creation. Our estimates imply that as much as 37 percent of employment growth over the period from 2013 to 2019 can be attributed to the re

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Mohanti, Debaditya, and Souvik Banerjee. "Credit channel of monetary policy transmission: Evidence from India." Investment Management and Financial Innovations 21, no. 2 (2024): 287–99. http://dx.doi.org/10.21511/imfi.21(2).2024.23.

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The present study explores the effectiveness of the credit channel of monetary policy transmission in India from the perspective of magnitude, timing, and composition puzzles. To validate, further investigation of the effectiveness of the balance sheet channel and bank lending channel using the corporate cash flows and interest rate spreads, respectively, has been done. The study employs the structural vector autoregression model using the long-time quarterly series sample period from June 1998 to June 2022. The findings show that the anomalies concerning magnitude, timing, and composition eff

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ALLOUCHE, Ibrahim Khalil, and Nancy HIJAZI. "Financial Stability in the MENA Region: The Impact of Banking Capitalization and Institutional Environment on Credit Availability." International Business Research 17, no. 1 (2024): 1. http://dx.doi.org/10.5539/ibr.v17n1p1.

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This study aims to analyze the applicability of the supply-side credit crunch in the MENA region by investigating the influence of bank capitalization and the institutional environment on the lending activities of banks operating in the region from 1999 to 2020. Employing the generalized method of moments (GMM) panel data estimator, our analysis reveals that bank lending is shaped by specific bank-related variables, country-level macroeconomic variables, and the quality of institutions. Our findings underscore that increases in bank capitalization levels, competition levels, or banks&#39;

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Budha, Birendra Bahadur. "The Bank Lending Channel of Monetary Policy in Nepal: Evidence from Bank Level Data." NRB Economic Review 25, no. 2 (2013): 43–65. http://dx.doi.org/10.3126/nrber.v25i2.52693.

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This paper examines the bank lending channel of monetary policy transmission in Nepal using data during 2003-2012. Using the dynamic Arellano-Bond GMM estimation with annual data of 25 Nepalese commercial banks, this study tries to estimate the loan supply responses of Nepalese commercial banks, depending on their balance sheet characteristics. The main results suggest that banks play a role in Nepal's monetary transmission mechanism. Empirical result shows that the bank lending decreases after a monetary tightening. Bank size is found to have significant impact on loan supply in Nepal. Simila

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Enya, Vincent Ekpe, and J. O. Alimba. "ANALYSIS OF FACTORS AFFECTING THE SUPPLY OF COMMERCIAL BANKS CREDIT TO THE AGRICULTURAL SECTOR IN NIGERIA (1986-2005)." Continental J. Agricultural Economics 2 (June 16, 2017): 74–77. https://doi.org/10.5281/zenodo.809995.

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This paper is on the supply of commercial banks credit to the agricultural sector in Nigeria from 1986 to 2005. Time series published data collected include agricultural GDP, commercial banks agricultural credit, cash reserve ratio and commercial banks lending rate. A multiple regression analysis approach involving the use of ordinary least (OLS) estimation techniques was adopted. Repayment ability of agricultural sector has a positive and significant effect on commercial banks credit supply to agriculture while lending rate has a positive and insignificant effect on banks agricultural credit

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MALLETT, JACKY. "WHAT ARE THE LIMITS ON COMMERCIAL BANK LENDING?" Advances in Complex Systems 15, supp02 (2012): 1250075. http://dx.doi.org/10.1142/s0219525912500750.

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Analysis of the 2007–2008 credit crisis has concentrated on issues of relaxed lending standards, and the perception of irrational behavior by speculative investors in real estate and other assets. Asset backed securities have been extensively criticized for creating a moral hazard in loan issuance and an associated increase in default risk, by removing the immediate lender's incentive to ensure that the underlying loans could be repaid. However significant monetary issues can accompany any form of increased commercial bank lending, and these appear to have been overlooked by this analysis. In

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Valencia, Fabián. "BANKS' PRECAUTIONARY CAPITAL AND CREDIT CRUNCHES." Macroeconomic Dynamics 18, no. 8 (2013): 1726–50. http://dx.doi.org/10.1017/s136510051300014x.

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This paper develops a bank model to study supply-driven contractions in credit or credit crunches. In the model, the bank is affected by financial frictions in raising external funds. These frictions imply that the bank repairs its balance sheet only gradually following a negative shock that weakens the bank's capital position. Consequently, there is persistency in the response of bank lending even when the original shock (productivity or interest rate) is i.i.d. The nonlinear nature of these financial frictions also generates (i) a precautionary motive even with risk-neutral shareholders: the

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Sutomo, Sutomo, and Johadi Johadi. "ANALISIS RIGIDITAS LENDING RATE PERBANKAN DI INDONESIA PERIODE JANUARI2001 - JUNI2004." Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 5, no. 2 (2017): 193. http://dx.doi.org/10.23917/jep.v5i2.4042.

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The research aim's to know the influence of interest rate ofSBI, exchange rate, total bank lending, supply of funds and commercial bank amount to rigidly bank lending rate in Indonesian period of January 2001 until June 2004. The research use secondary data by character of time series. The research methodology used a partial adjustment model that rigidly bank lending rate are influence by all independent variable such interest rate of SBI, exchange rate, and total bank lending, supply of fund and commercial bank amount in banking sector. The empirical results that rigidly bank lending rate are

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Dumičić, Mirna, and Igor Ljubaj. "Delayed Credit Recovery in Croatia: Supply or Demand Driven?" Journal of Central Banking Theory and Practice 7, no. 1 (2018): 121–44. http://dx.doi.org/10.2478/jcbtp-2018-0006.

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AbstractIn order to enhance the understanding of credit cycle dynamics in Croatia, we explore the evolution of credit demand and credit supply of corporates and households in Croatia and identify their determinants based on the switching regression framework. These results are crosschecked by the insights from the bank lending survey. The conducted analysis shows there are both supply and demand-side factors that limit the possibility of intensifying household and corporate credit activity. However, a more pronounced drag seems to be coming from subdued demand, which is greatly influenced by t

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