Provisioning Rules and Bank Lending: A Theoretical Model

Provisioning rules and bank lending: A theoretical model

Journal of Financial Stability ◽

10.1016/j.jfs.2011.04.001 ◽

2012 ◽

Vol 8 (1) ◽

pp. 25-31 ◽

Cited By ~ 37

Author(s):

Vincent Bouvatier ◽

Laetitia Lepetit

Keyword(s):

Theoretical Model ◽

Bank Lending ◽

Provisioning Rules

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A theoretical model of bank lending: Does ownership matter in times of crisis?

Journal of Banking & Finance ◽

10.1016/j.jbankfin.2014.03.038 ◽

2015 ◽

Vol 50 ◽

pp. 298-307 ◽

Cited By ~ 33

Author(s):

Michael Brei ◽

Alfredo Schclarek

Keyword(s):

Theoretical Model ◽

Bank Lending

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The determinants of Vietnamese banks’ lending behavior

Journal of Economic Studies ◽

10.1108/jes-08-2014-0140 ◽

2015 ◽

Vol 42 (5) ◽

pp. 861-877 ◽

Cited By ~ 2

Author(s):

Delpachitra Sarath ◽

Dai Van Pham

Keyword(s):

Theoretical Model ◽

Risk Taking ◽

Banking System ◽

Bank Lending ◽

Regulatory Environment ◽

Content Type ◽

Loan Supply ◽

Risk Taking Behavior ◽

The Government ◽

Lending Behavior

Purpose – The purpose of this paper is to theoretically and empirically examine the lending behavior of Vietnamese banks. Design/methodology/approach – A firm-banking model was established, considering risk-taking behavior and the regulatory environment. Based on the theoretical model, a simultaneous equation system was specified that considered loan growth and deposit growth as endogenous variables to empirically investigate lending behavior in Vietnam’s banking sector. Two-stage least square estimators were employed using a micro-level panel data set comprising 39 Vietnamese commercial banks. Findings – The empirical results demonstrate the divergence in the lending behavior of private and state-owned banks. The regressions results support the predictions of the theoretical model on the positive effect of economic growth and the negative effect of the government bond rate on bank lending. The results also suggest that deposit growth and liquidity constraint significantly influence loan supply in private banks, while equity growth is the determinant of lending behavior in state-owned banks. Nevertheless, the banks’ non-performing loan rate, which proxies for the expected default probability of loans, is found to not significantly affect loan supply. Research limitations/implications – Despite the efforts to capture the idiosyncratic characteristics of the Vietnamese banking system, this study does not fully take into account distinctive nature of the Vietnamese banking system. Practical implications – The paper suggests implications for the government monetary policy. Originality/value – The contribution of this paper is twofold. First, it introduces a firm-banking theoretical model that allows banks offering different lending rates and modeled under different aspects of modern banking such as risk-taking behavior and regulatory environment. Second, it is a very first study empirically investigating the lending behavior of Vietnamese banks.

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A theoretical model for understanding dentists' behavior in treating patients with AIDS

Journal of Dental Education ◽

10.1002/j.0022-0337.1991.55.11.tb02589.x ◽

1991 ◽

Vol 55 (11) ◽

pp. 708-716 ◽

Cited By ~ 1

Author(s):

MS Chen

Keyword(s):

Theoretical Model

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A Model for Analyzing Suicide Prevention

Crisis ◽

10.1027//0227-5910.21.2.80 ◽

2000 ◽

Vol 21 (2) ◽

pp. 80-89 ◽

Cited By ~ 3

Author(s):

Maila Upanne

Keyword(s):

Risk Factors ◽

Theoretical Model ◽

Protective Factors ◽

Suicide Prevention ◽

Suicide Risk ◽

Practical Work ◽

Individual Risk ◽

Self Assessment ◽

Prevention Project ◽

Individual Risk Factors

This study monitored the evolution of psychologists' (n = 31) conceptions of suicide prevention over the 9-year course of the National Suicide Prevention Project in Finland and assessed the feasibility of the theoretical model for analyzing suicide prevention developed in earlier studies [ Upanne, 1999a , b ]. The study was formulated as a retrospective self-assessment where participants compared their earlier descriptions of suicide prevention with their current views. The changes in conceptions were analyzed and interpreted using both the model and the explanations given by the subjects themselves. The analysis proved the model to be a useful framework for revealing the essential features of prevention. The results showed that the freely-formulated ideas on prevention were more comprehensive than those evolved in practical work. Compared to the earlier findings, the conceptions among the group had shifted toward emphasizing a curative approach and the significance of individual risk factors. In particular, greater priority was focused on the acute suicide risk phase as a preventive target. Nonetheless, the overall structure of prevention ideology remained comprehensive and multifactorial, stressing multistage influencing. Promotive aims (protective factors) also remained part of the prevention paradigm. Practical working experiences enhanced the psychologists' sense of the difficulties of suicide prevention as well as their criticism and feeling of powerlessness.

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