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The Role of Smart Governance in Mitigating Financial Risks in the Era of Artificial Intelligence: Evidence from Iraqi Banks. [PDF]
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Bank Specialization and Zombie Lending
Management Science, 2021We study whether banks internalize congestion externalities when lending to zombie firms. We conjecture that banks should be better informed about the presence of zombie firms and the congestion externalities that such firms exert on healthy borrowers in industries where banks are specialized and show that banks’ credit supply to zombie firms relates ...
Olivier De Jonghe +2 more
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Religiosity and corruption in bank lending
Journal of Business Finance & Accounting, 2020AbstractThis paper explores the effect of country‐level religiosity on corruption in bank lending. By using the World Business Environment Survey, we find that firms in more religious countries perceive a higher level of bank lending corruption. Furthermore, larger (smaller) foreign (government) ownership and more competition in a country's banking ...
Geng Niu +3 more
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The Journal of Finance, 1983
increase in the bank's borrowing cost, similarly leads to reduced commitment sales and expected bank lending. A stochastic increase in customer takedowns is found to have an ambiguous effect on the bank's commitment decision. The force of these results is limited because all bank lending is assumed to be done via loan commitments.
Ricart I Costa, Joan E +1 more
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increase in the bank's borrowing cost, similarly leads to reduced commitment sales and expected bank lending. A stochastic increase in customer takedowns is found to have an ambiguous effect on the bank's commitment decision. The force of these results is limited because all bank lending is assumed to be done via loan commitments.
Ricart I Costa, Joan E +1 more
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Banks and Borrower Networks: To Lend or Not to Lend?
SSRN Electronic Journal, 2019Banks remain the most important credit source globally despite large-scale financial development. However, banking continues to be plagued by rising costs and information asymmetry. In this context, we show how an additional borrower characteristic, specifically the borrower’s network strength, helps reduce costs by altering the bank’s lending ...
Debarati Basu +2 more
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Collectivism and corruption in bank lending
Journal of International Business Studies, 2011This paper examines how national culture, and collectivism in particular, influences corruption in bank lending. We hypothesize that interdependent self-construal and particularist norms in collectivist countries lead to a higher level of lending corruption through their influence both on the interactions between bank officers and bank customers and on
Xiaolan Zheng +3 more
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Politically influenced bank lending
Journal of Banking & Finance, 2019Borrowers from the same state as the Chairman of the U.S. Senate Banking Committee, whom I term "connected", are able to borrow at spreads 14 bps lower than other borrowers. Connected borrowers’ contributions toward the Chairman are influenced by their cost of loans, but the same is not true for nonconnected borrowers.
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Monetary Stimulus and Bank Lending
SSRN Electronic Journal, 2016In recent business cycle downturns, monetary policymakers worldwide have sought to stimulate their economies by conducting asset purchases. The U.S. Federal Reserve purchased both agency mortgage-backed securities (MBS) and Treasury (TSY) securities, which are generally thought to be comparable in credit quality and stimulative effects.
Indraneel Chakraborty +2 more
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Social Connectedness in Bank Lending
The Review of Financial StudiesAbstract We present evidence that loan allocations and loan terms are closely linked to the strength of social connections between bank and borrower regions. Lending increases with social connectedness, particularly in the presence of strong screening incentives.
Rehbein, Oliver, Rother, Simon
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Lending on hold: Regulatory uncertainty and bank lending standards
Journal of Monetary Economics, 2016Abstract The 2011–2013 rule-making process for the regulation of qualified mortgages was correlated with a reduction in mortgage lending. In this paper, we document this correlation at the bank level. Using a novel measure of banks׳ perception of regulatory uncertainty, we offer suggestive evidence that banks that perceived higher regulatory ...
Stefan Gissler +2 more
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