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نتیجه جستجو - مقاله رایگان بانکداری 2018

تعداد مقالات یافته شده: 25
ردیف عنوان نوع
1 When arms length is too far: Relationship banking over the credit cycle
وقتی که طول بازو بسیار زیاد است: بانکداری رابطه ای در چرخه اعتباری-2018
We conduct face-to-face interviews with bank chief executive officers to classify 397 banks across 21 countries as relationship or transaction lenders. We then use the geographic coordinates of these banks’ branches and of 14,100 businesses to analyze how the lending techniques of banks near firms are related to credit constraints at two contrasting points of the credit cycle. We find that while relationship lending is not associated with credit constraints during a credit boom, it alleviates such constraints during a downturn. This positive role of relationship lending is stronger for small and opaque firms and in regions with a more severe economic downturn. Moreover, relationship lending mitigates the impact of a downturn on firm growth and does not constitute evergreening of loans.
keywords: Relationship banking |Credit constraints |Credit cycle
مقاله انگلیسی
2 The impact of conventional and unconventional monetary policy on expectations and sentiment
تاثیر سیاست پولی عادی و غیر عادی بر انتظارات و احساسات-2018
This paper offers evidence on the effect of ECBs conventional and unconventional monetary policy on economic expectations in Euro-area countries during the US and EU crisis. We employ a range of research methodologies in a sample of nine Eurozone countries and combine expectations/sentiment indicators with a set of macroeconomic and financial variables. We find that ECBs conventional monetary policy (and Feds monetary policy stance) has a positive and significant effect on economic expectations for Core Eurozone countries and a weak effect on Peripheral Eurozone countries. ECBs unconventional policy measures, however, have a negative short term effect on Core countries’ economic expectations. This result is robust to different methodologies (PVAR, QVAR, FAVAR) and different datasets. Overall, our findings highlight the importance of monetary policy in the determination of economic expectations
keywords: Unconventional monetary policy| Sentiment| Economic expectations
مقاله انگلیسی
3 Interest rate derivatives use in banking: Market pricing implications of cash flow hedges
استفاده از انحرافات نرخ بهره در بانکداری: دلالت های موانع گردش نقدینگی در قیمت گذاری بازار-2018
We examine whether investors are able to fully anticipate the pricing implications of cash flow hedges in the banking industry. We show that mark-to-market adjustments on cash flow hedges are inversely related to future cash flows and that investors underestimate the extent of this inverse relation. Our evidence supports the notion that incomplete information on value relevant parameters makes it difficult for investors to accurately predict the effects of current cash flow hedge adjustments on future cash flows. Our results are also consistent with the evidence that investors have limited attention such that information, particularly information that is difficult to discern, is not fully reflected in stock prices. Thus, the additional disclosures mandated by regulatory agencies in the banking industry are not sufficient to overcome the challenges associated with incomplete information and investors’ limited attention.
keywords: Interest rate derivatives| Cash flow hedges| Mark-to-market adjustments| Incomplete information| Investors’ limited attention
مقاله انگلیسی
4 The competitive effect of a bank megamerger on credit supply
تاثیر رقابتی اعذام کننده بزرگ یک بانک روی تامین اعتبار-2018
We study the effect of a merger between two large banks on credit market competition. We identify the competitive effect of the merger using matched loan-level and firm-level data and exploiting variation in the merging banks’ market overlap across local lending markets. On the credit market side, we find a reduction in lending, in particular through termination of relationships. In the average market, bank credit decreases by 2.7%. On the real side, firm exit increases by 4%, whereas firms that do not exit and firms that start up experience no adverse real effect on investment and employment.
keywords: Bank mergers |Megabanks |Credit supply |SMEs
مقاله انگلیسی
5 To what extent did the economic stimulus package influence bank lending and corporate investment decisions? Evidence from China
بسته اقتصادی انگیزشی تا چه اندازه روی وام دهی بانکی و تصمیمات سرمایه گذاری شرکتی اثر می گذارد؟ شواهدی از چین-2018
Using a panel of Chinese firms over the period 2003–2013, we show that, from the supply-side perspective, as a result of the implementation of the economic stimulus package in China, state-owned enterprises (SOEs) received more bank loans and invested more than non-SOEs. We further find that after the implementation of the economic stimulus package, bank lending became less responsive to firm profitability, and firm investments became less responsive to investment opportunities for SOEs, non-SOEs from favoured industries and regions, and non-SOEs with political connections. Overall, our findings support the view that the stimulus package and the associated increase in bank loan supply in China resulted in more resources being allocated to SOEs.
keywords: Economic stimulus package| Bank loan supply| Bank lending| Investment decisions| SOEs
مقاله انگلیسی
6 The mechanics of commercial banking liberalization and growth
ریاضیات آزادسازی و رشد بانکداری تجاری-2018
This paper formalizes the effects of liberalization across the border of deposit-taking and lending activities on the regime of competition in the banking market and on the rate of growth of the economy. We extend two economy based Deidda (2006)’s banking model in which originally each economy hosts at least one operating bank. We introduce two GATS-defined modes of commercial banking liberalization – namely the Commercial Presence mode and the Cross-Border mode. Additionally, we introduce the possibility of strategic behavior by competing banks in equilibrium. The extended model provides a causal link between the cost structure of the banking industry, the regime of competition in the liberalized banking sector and the rate of growth of the economy under alternative modes of liberalization. In particular, we show a threshold effect in terms of economic development: above certain economic development the banking sector operates competitively and supports an accelerating rate of growth, generating a bidirectional, self-reinforcing link between commercial banking liberalization and growth. The pace of growth is further increased, with respect to a scenario where such behavior is not present, by the presence of strategic behavior by competing banks in equilibrium.
keywords: Commercial banking| Financial service liberalization| Economic growth
مقاله انگلیسی
7 The effect of supranational banking supervision on the financial sector: Event study evidence from Europe
تاثیرات نظارت فوق ملّی بانکداری روی بخش مالی: مطالعه رویداد و شواهدی از اروپا-2018
This paper investigates how the introduction of the Single Supervisory Mechanism, the European Union’s implementation of harmonized banking supervision, has affected the banking sector in Europe. I perform an event study on banks’ stock returns and find evidence for small but significant positive effects. A potential hypothesis for this result is the fact that a single supervisory authority can take spillover effects between countries into account and is therefore able to stabilize the European banking sector. Splitting the sample by an indicator for supervisory power, an indicator for corruption, and by debt/GDP reveals that the positive impact of the SSM was stronger for banks in countries that perform poorly with respect to these measures.
keywords: Banks |Event study |Supervision |Single Supervisory Mechanism |Harmonization
مقاله انگلیسی
8 The relation between religiosity and private bank outcomes
رابطه بین مذهبی بودن و خروجی های بانکهای خصوصی-2018
We examine the effect of headquarters’ local religiosity on private bank outcomes. Religiosity is associated with lower risk-taking for public banks, but the unique features of private banks may result in a different effect for private banks. We find religiosity is associated with greater asset risk-taking. At the same time, however, religiosity, is negatively associated with solvency risk and return on asset (ROA) volatility and is associated with higher ROAs and fewer failures. We reconcile these results by finding banks in areas with higher religiosity recognize larger fees from providing additional banking services, likely due to relationships formed from more risky lending. As a result, these banks are more (less) likely to realize extreme positive (negative) performance. We also find religiosity is associated with lower earnings management and increased conservatism. Collectively, our results confirm private banks are unique and religiosity can have a significant, and nuanced, effect on bank outcomes.
keywords: Religiosity |Private banks |Risk |Performance |Financial reporting
مقاله انگلیسی
9 Awareness, determinants and value of reputation risk management: Empirical evidence from the banking and insurance industry
آگاهی، عوامل تعیین کننده و ارزش مدیریت خطر شهرت: شواهد تجربی از بانکداری و صنعت بیمه-2018
The aim of this paper is to empirically study reputation risk management in the US and European banking and insurance industry, which has become increasingly important in recent years. We first use a text mining approach and find that the awareness of reputation risk (management) as reflected in annual reports has increased during the last ten years and that it has gained in importance relative to other risks. Furthermore, we provide the first empirical study of the determinants and value of reputation risk management. Our results show that larger firms, as well as firms that are located in Europe and have a higher awareness of their reputation, are significantly more likely to implement a reputation risk management program. Finally, we obtain initial indications of the value-relevance of reputation risk management.
keywords: Reputation risk management |Reputation risk |Corporate reputation |Text mining
مقاله انگلیسی
10 The spillover effect of enforcement actions on bank risk-taking
تاثیر سرریز اقدامات اجبار روی خطرپذیری بانک-2018
Enforcement actions (sanctions) aim to penalize guilty companies and provide examples to other companies that bad behavior will be penalized. A handful of papers analyze the consequences of sanctions in banking for sanctioned companies, while no papers have investigated the spillover effects on non-sanctioned banks. Focusing on credit-related sanctions, we show the existence of a spillover effect: non-sanctioned banks behave similar to sanctioned banks, depending on their degree of similarity, offloading problematic loans and reducing their lending activity.
keywords: Enforcement action |Banking |Credit |Spillover effect
مقاله انگلیسی
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