SMEs Credit Rationing in the Tunisian Bank Credit Market: A Micro-Econometric Disequilibrium Analyze

2010 ◽  
Author(s):  
Philippe Adair ◽  
Abdelfatteh Ammous ◽  
Fredj Fhima
Keyword(s):  
Credit Market ◽  
Credit Rationing ◽  
Bank Credit

scholarly journals Measurement and Analysis of the Competitiveness of China Commercial Bank’s Loan Market

2020 ◽  
Vol 2020 ◽  
pp. 1-10
Author(s):  
Tianming Cai
Keyword(s):  
Commercial Bank ◽  
Credit Market ◽  
Bank Credit ◽  
Financial Risks ◽  
Upward Trend ◽  
Slowing Down ◽  
Lerner Index ◽  
Measurement And Analysis ◽  
Economic Work ◽  
China’S Economy

China’s economy presents a new normal of speed changes, structural optimization, and power conversion. Deepening supply-side reforms and controlling financial risks are two prominent themes of current economic work. With the economic growth slowing down and the financing environment tightening, the credit risk of the banking industry is being exposed more quickly. This article uses a structured method and an unstructured method to measure the competitiveness of China commercial bank credit market. The structured method uses the HHI (Herfindahl–Hirschman Index), and the unstructured method uses the Lerner Index. This article compares the sample banks’ 2008–2015 industry loan total HHI and Lerner Index. The results of HHI and Lerner Index are basically the same, which indicate that the competitiveness of the China commercial bank credit market is generally at a low level. However, the Lerner Index has a clear upward trend after 2014, which indicates the possibility of increased competition in the credit market.

Informal Loans in Russia: Why Not to Borrow from a Bank?

2016 ◽  
Vol 19 (03) ◽  
pp. 1650016
Author(s):  
Maria Semenova ◽  
Victoria Kulikova
Keyword(s):  
Great Proportion ◽  
National Survey ◽  
Growth Rates ◽  
Financial Literacy ◽  
Banking Sector ◽  
High Growth ◽  
Credit Market ◽  
Credit Rationing ◽  
Informal Credit ◽  
Loan Market

After the 2008 crisis, the Russian consumer loan market shows high growth rates, accompanied by the quality deteriorating even faster. At the same time, a great proportion of households are not attracted by the banks and borrow informally. In this paper, we aim to learn why households refuse to become bank clients, using the data from a 2009–2010 national survey of Russian households. Our results suggest that household's choice of the informal credit market is based not only on credit rationing, but also on a lack of financial literacy, credit discipline and trust in the banking sector as a whole.

Credit rationing and the simulation of bank-small and medium sized firm artificial credit market

2016 ◽  
Vol 29 (4) ◽  
pp. 991-1017 ◽  
Author(s):  
Xuefeng Liu ◽  
Wei Zhang ◽  
Xiong Xiong ◽  
Dehua Shen ◽  
Yongjie Zhang
Keyword(s):  
Credit Market ◽  
Credit Rationing

scholarly journals DISINTERMEDIASI FUNGSI PERBANKAN DI INDONESIA PASCA KRISIS 1997 : Faktor Permintaan Atau Penawaran Kredit, Sebuah Pendekatan Dengan Model Disequilibrium

2007 ◽  
Vol 8 (1) ◽  
pp. 51-78
Author(s):  
Harmanta Harmanta ◽  
Dr. Mahyus Ekananda
Keyword(s):  
Maximum Likelihood ◽  
Interest Rate ◽  
Likelihood Estimation ◽  
Credit Market ◽  
New Keynesian ◽  
Bank Credit ◽  
Credit Crunch ◽  
Switching Regression ◽  
Credit Supply ◽  
Credit Demand

The goal of this paper is to analyze the determinants of bank credit declining, whether is dominated by the supply or the credit demand, post the financial crisis in Indonesia. This paper is a sort of New Keynesian approach, which pre assume the imperfectness of the credit market and hence create disequilibrium.Using the switching regression model and Maximum Likelihood Estimation to determine the probability of supply or demand determination, the result shows the existence of excess demand of credit during the crisis period, 1997/ 1998, confirming the credit crunch situation. After the crisis, the condition is reversed, where the credit supply is higher than the credit demand. The two findings implicitely shows the inflexibility of interest rate to equalize the credit market.JEL: D43, D82, E44, E51Keywords : Disintermediasi, kredit, disequilibrium, maximum likelihood, persamaan simultan, switching regression

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