Rollover Risk and Bank Lending Behavior: Evidence From Unconventional Central Bank Liquidity

2018 ◽  
Author(s):  
Martina Jasova ◽  
Caterina Mendicino ◽  
Dominik Supera
Keyword(s):  
Central Bank ◽  
Bank Lending ◽  
Rollover Risk ◽  
Lending Behavior

Commercial Banks Credit and the Performance of Real Sector in Nigeria: 1990-2017

2020 ◽  
pp. 1-15
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
Agricultural Sector ◽  
Manufacturing Sector ◽  
Bank Lending ◽  
Real Sector ◽  
Agricultural Credit ◽  
The Real ◽  
Scientific Discussion ◽  
The Cost

The study examined the arguments and counterarguments within the scientific discussion on commercial banks credit and the performance of real sector in Nigeria. The main objective of the study is to examine the effect of commercial banks credit on the performance of the real sector in Nigeria.Data was sourced from Central Bank of Nigeria Statistical Bulletin. A systematization literary approach for data analysis was Regression Analysis. Findings revealed that bank credit and bank lending rate does not have significant impact on real sector performance in Nigeria. It was showed that there was a positive and significant relationship between agricultural credit guarantee scheme fund and agricultural production in Nigeria. The study therefore recommends that banks should be directed to channel their credits towards the real sector to facilitate overall economic growth and development in Nigeria. It was recommended that there is the need policies that will favor the revamp of the agricultural sector in Nigeria should be given pride of place. Also, monetary authority through the Central Bank of Nigeria should create adequate policies and strategies towards deepening of the financial sector and reducing the cost of credit/loans so as to enhance productivity and consequently enhance the growth of the key sectors of economy such as manufacturing sector.

Konsequenzen der bankaufsichtlichen Rahmenkonzeption Basel IV für die Mittelstandsfinanzierung

2019 ◽  
Vol 67 (3) ◽  
pp. 197-206
Author(s):  
Andreas Horsch
Keyword(s):  
Bank Lending ◽  
Regulatory Framework ◽  
Investment Policies ◽  
Basel Committee ◽  
Kleine Und Mittlere Unternehmen ◽  
Lending Behavior

Zusammenfassung Für kleine und mittlere Unternehmen (KMU) zählt die Kreditfinanzierung durch Banken traditionell zu den wichtigsten Finanzierungsquellen. Regulierungsnormen, die sich unmittelbar auf das Aktivgeschäft der Banken richten, können deren Kreditvergabeverhalten verändern und in der Folge mittelbar wirksam für KMU werden. Ausgehend vom neuen Rahmenkonzept des Baseler Ausschusses stellt sich die Frage, inwieweit dieses die Attraktivität des mittelständischen Kreditgeschäfts aus Bankensicht und mithin die Finanzierungsmöglichkeiten für KMU verändert. Abstract Traditionally, small and medium-sized enterprises (SMEs) to a large extent rely on bank lending. Regulation directed at investment policies of banks in general and their lending policies in particular will affect banks’ lending behavior and thus become relevant for SMEs. Referring to the recent regulatory framework of the Basel Committee, the question is in how far it will amend the attractiveness of SME loan business for the bank and hereupon the financing options of the former.

Inside the Bank Box

2019 ◽  
pp. 368-405
Author(s):  
Leonardo Gambacorta ◽  
Paul Mizen
Keyword(s):  
Interest Rate ◽  
Central Bank ◽  
Interest Rates ◽  
Adjustment Costs ◽  
Bank Lending ◽  
Bank Capital ◽  
Bank Lending Channel ◽  
Lending Channel ◽  
Pass Through ◽  
The Interest Rate

Central bank policy operates first through financial markets and then through banks as they adjust their interest rates. This chapter discusses the transmission of policy in this first step of the monetary transmission mechanism, known as interest-rate pass-through. Historically, the focus of attention has been the interest-rate channel. We show the origins of this channel via a microfounded model of interest-rate setting by deposit-taking institutions that are Cournot oligopolists facing adjustment costs. We then examine other channels such as the bank lending channel and the bank capital channel and the role of central bank communications, signaling, and forward guidance over future interest rates. Each is shown to influence the setting of current short-term interest rates. The chapter closes with some issues for the future of pass-through in the transmission process.

scholarly journals The Effects of Quantitative Easing on Bank Lending Behavior

2017 ◽  
Vol 30 (11) ◽  
pp. 3858-3887 ◽  
Author(s):  
Alexander Rodnyansky ◽  
Olivier M. Darmouni
Keyword(s):  
Bank Lending ◽  
Quantitative Easing ◽  
Lending Behavior
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