Credit to private sector, interest spread and volatility in credit-flows : do bank ownership and deposits matter?
2011
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Полное описание
Условное обозначениеST/ESA/2011/DWP/105
ЗаглавиеCredit to private sector, interest spread and volatility in credit-flows : do bank ownership and deposits matter?
ДоступFull text: wp105_2011 - PDF ;
Резюме
With bank-level data from 81 developing countries, the paper shows that increased foreign bank presence is associated with increased reliance on non-deposit based funding, which leads to higher interest rate spreads, less credit to the private sector, and higher volatility in bank loans. Foreign bank entry significantly reduces domestic banks’ share of deposits while foreign banks typically allocate less of their assets and deposits to lending. As domestic banks lose their deposit base, they rely on non-deposit based funding, but its higher costs and uncertainty force domestic banks to reduce their lending activities.
1. Introduction -- 2. Literature Review -- 3. Beyond cherry-picking: An alternative explanation -- 4. Data and Summary Statistics -- 5. Empirical Evidence -- Annex 1. Developing and Emerging Countries Included in the Analysis -- Annex 2. Definition of Variables and Sources -- Annex 3. Tables.
1. Introduction -- 2. Literature Review -- 3. Beyond cherry-picking: An alternative explanation -- 4. Data and Summary Statistics -- 5. Empirical Evidence -- Annex 1. Developing and Emerging Countries Included in the Analysis -- Annex 2. Definition of Variables and Sources -- Annex 3. Tables.
Серии
Дата[New York] : UN, Department of Economic and Social Affairs, May 2011
Описание
40 p. : graphs, tables
Примечания
Includes bibliographical references (p. 24-26).