Lending conditions in EU: the role of credit demand and supply
We analyse the bank lending activity after the financial crisis and focus on bank-specific supply factors. Using a rich microeconomic dataset from Bankscope and macroeconomic shocks data, we employ OLS and 2SLS fixed effects models with banking controls, macroeconomic shocks and institutional qualit...
Gespeichert in:
| Hauptverfasser: | , , |
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Regensburg
Institut für Ost- und Südosteuropaforschung
January 2017
|
| Schriftenreihe: | IOS working papers
No. 362 |
| Online-Zugang: | kostenfrei |
| Zusammenfassung: | We analyse the bank lending activity after the financial crisis and focus on bank-specific supply factors. Using a rich microeconomic dataset from Bankscope and macroeconomic shocks data, we employ OLS and 2SLS fixed effects models with banking controls, macroeconomic shocks and institutional quality. The banks’ loan-rate spreads increased despite the recent policy of low interest rates and quantitative easing. We use the bank asset quality as instruments to capture exogenous changes in loan supply. The empirical evidence shows that loan-rate spread and through this the supply of loans is negatively affected by a low asset quality and capital ratios. |
| Beschreibung: | 1 Online-Ressource (v, 22 Seiten) |
| Format: | kostenfrei |
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| illustrated | Not Illustrated |
| indexdate | 2024-07-10T07:41:56Z |
| institution | BVB |
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| spelling | Kapounek, Svatopluk Verfasser aut Lending conditions in EU the role of credit demand and supply Svatopluk Kapounek, Zuzana Kučerová, and Jarko Fidrmuc Regensburg Institut für Ost- und Südosteuropaforschung January 2017 1 Online-Ressource (v, 22 Seiten) txt rdacontent c rdamedia cr rdacarrier IOS working papers No. 362 We analyse the bank lending activity after the financial crisis and focus on bank-specific supply factors. Using a rich microeconomic dataset from Bankscope and macroeconomic shocks data, we employ OLS and 2SLS fixed effects models with banking controls, macroeconomic shocks and institutional quality. The banks’ loan-rate spreads increased despite the recent policy of low interest rates and quantitative easing. We use the bank asset quality as instruments to capture exogenous changes in loan supply. The empirical evidence shows that loan-rate spread and through this the supply of loans is negatively affected by a low asset quality and capital ratios. kostenfrei Langzeitarchivierung durch die Bayerische Staatsbibliothek Kučerová, Zuzana Verfasser aut Fidrmuc, Jarko 1968- Verfasser (DE-588)121488659 aut IOS working papers No. 362 (DE-604)BV040033175 362 http://www.dokumente.ios-regensburg.de/publikationen/wp/wp_362.pdf Verlag kostenfrei |
| spellingShingle | Kapounek, Svatopluk Kučerová, Zuzana Fidrmuc, Jarko 1968- Lending conditions in EU the role of credit demand and supply IOS working papers |
| title | Lending conditions in EU the role of credit demand and supply |
| title_auth | Lending conditions in EU the role of credit demand and supply |
| title_exact_search | Lending conditions in EU the role of credit demand and supply |
| title_full | Lending conditions in EU the role of credit demand and supply Svatopluk Kapounek, Zuzana Kučerová, and Jarko Fidrmuc |
| title_fullStr | Lending conditions in EU the role of credit demand and supply Svatopluk Kapounek, Zuzana Kučerová, and Jarko Fidrmuc |
| title_full_unstemmed | Lending conditions in EU the role of credit demand and supply Svatopluk Kapounek, Zuzana Kučerová, and Jarko Fidrmuc |
| title_short | Lending conditions in EU |
| title_sort | lending conditions in eu the role of credit demand and supply |
| title_sub | the role of credit demand and supply |
| url | http://www.dokumente.ios-regensburg.de/publikationen/wp/wp_362.pdf |
| volume_link | (DE-604)BV040033175 |
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