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Components Of Credit Rationing
SSRN Electronic Journal, 2019Credit rationing by lending institutions has been the subject of much research in recent decades. Although there are some empirical indications, there is little theoretical justification about how various forms of credit rationing manifest themselves in credit markets.
Mehdi Beyhaghi +2 more
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2009
This work presents new evidence on the determinants of credit rationing, seeking to discriminate between different theories by nesting them within a general empirical model. We consider determinants related to the demand for loans, the supply side, and institutional and environmental aspects affecting borrowers’ and banks’ behaviour in local credit ...
SILIPO, Damiano Bruno +2 more
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This work presents new evidence on the determinants of credit rationing, seeking to discriminate between different theories by nesting them within a general empirical model. We consider determinants related to the demand for loans, the supply side, and institutional and environmental aspects affecting borrowers’ and banks’ behaviour in local credit ...
SILIPO, Damiano Bruno +2 more
openaire +2 more sources
1990
Publisher Summary Credit markets differ from standard markets in two important respects. First, standard markets, which are the focus of classical competitive theory, involve a number of agents who are buying and selling a homogeneous commodity. Second, in standard markets, the delivery of a commodity by a seller and payment for the commodity by a ...
Dwight Jaffee, Joseph Stiglitz
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Publisher Summary Credit markets differ from standard markets in two important respects. First, standard markets, which are the focus of classical competitive theory, involve a number of agents who are buying and selling a homogeneous commodity. Second, in standard markets, the delivery of a commodity by a seller and payment for the commodity by a ...
Dwight Jaffee, Joseph Stiglitz
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2001
The simple model of monitored finance which is constructed in the first part of this chapter helps to explain several features of a bank-firm relationship. However, the principal intention of this chapter is to give a new explanation for credit rationing by banks.
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The simple model of monitored finance which is constructed in the first part of this chapter helps to explain several features of a bank-firm relationship. However, the principal intention of this chapter is to give a new explanation for credit rationing by banks.
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Determinants of credit rationing [PDF]
, 1994 Previous research on the determinants of credit rationing exclusively focused on the behavior of formal lenders who contract directly with an individual borrower. Based on a household survey in Madagascar, this paper presents an analysis of credit rationing behavior by informal lenders and by members of community-based groups that allocate formal group
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This major Handbook consists of 29 contributions that explore the full range of exciting and interesting work on money and finance currently taking place within heterodox economics. There are many themes and facets of alternative monetary and financial economics but two major ones can be identified.
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