Access and risk - friends or foes?: lessons from Chile
"This paper documents the link between risk, stability, and access to credit markets in an emerging economy. It presents annual credit loss distributions of Chilean banks for the period 1999-2005, providing the first empirical evidence of the cyclical pattern of expected losses and unexpected l...
Gespeichert in:
| Hauptverfasser: | , |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
[Washington, D.C]
World Bank
2006
|
| Schriftenreihe: | Policy research working paper
4003 |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | "This paper documents the link between risk, stability, and access to credit markets in an emerging economy. It presents annual credit loss distributions of Chilean banks for the period 1999-2005, providing the first empirical evidence of the cyclical pattern of expected losses and unexpected losses of bank loan portfolios in emerging countries. The paper provides three main contributions to the debate on bank solvency and access to credit markets. First, it derives nonparametric estimators of expected losses and unexpected losses, free from model error and, in particular, from distributional restrictions. Second, it shows how the distribution of credit losses for portfolios of retail and commercial loans is affected by the lumpiness of bank loans. Finally, it shows that the shape of credit loss distributions helps select appropriate policies to promote broader and sounder access to bank credit for the poor and the unbanked. "--World Bank web site |
| Beschreibung: | Includes bibliographical references. - Title from PDF file as viewed on 9/6/2006 Erscheinungsjahr in Vorlageform:[2006] Weitere Ausgabe: Adasme, Osvaldo: Access and risk - friends or foes? |
| Beschreibung: | 1 Online-Ressource (33 Seiten) |
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| 500 | |a Weitere Ausgabe: Adasme, Osvaldo: Access and risk - friends or foes? | ||
| 520 | 1 | |a "This paper documents the link between risk, stability, and access to credit markets in an emerging economy. It presents annual credit loss distributions of Chilean banks for the period 1999-2005, providing the first empirical evidence of the cyclical pattern of expected losses and unexpected losses of bank loan portfolios in emerging countries. The paper provides three main contributions to the debate on bank solvency and access to credit markets. First, it derives nonparametric estimators of expected losses and unexpected losses, free from model error and, in particular, from distributional restrictions. Second, it shows how the distribution of credit losses for portfolios of retail and commercial loans is affected by the lumpiness of bank loans. Finally, it shows that the shape of credit loss distributions helps select appropriate policies to promote broader and sounder access to bank credit for the poor and the unbanked. "--World Bank web site | |
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| language | English |
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| publisher | World Bank |
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| spellingShingle | Adasme, Osvaldo Majnoni, Giovanni 1954- Access and risk - friends or foes? lessons from Chile |
| title | Access and risk - friends or foes? lessons from Chile |
| title_auth | Access and risk - friends or foes? lessons from Chile |
| title_exact_search | Access and risk - friends or foes? lessons from Chile |
| title_full | Access and risk - friends or foes? lessons from Chile Osvaldo Adasme, Giovanni Majnoni, Myriam Uribe, Research working paper Collection Title:Policy |
| title_fullStr | Access and risk - friends or foes? lessons from Chile Osvaldo Adasme, Giovanni Majnoni, Myriam Uribe, Research working paper Collection Title:Policy |
| title_full_unstemmed | Access and risk - friends or foes? lessons from Chile Osvaldo Adasme, Giovanni Majnoni, Myriam Uribe, Research working paper Collection Title:Policy |
| title_short | Access and risk - friends or foes? |
| title_sort | access and risk friends or foes lessons from chile |
| title_sub | lessons from Chile |
| url | http://hdl.handle.net/10986/9298 |
| work_keys_str_mv | AT adasmeosvaldo accessandriskfriendsorfoeslessonsfromchile AT majnonigiovanni accessandriskfriendsorfoeslessonsfromchile AT worldbank accessandriskfriendsorfoeslessonsfromchile |