Commercial bank lending

The main purpose of the article is to model the main factors affecting non-performing loan incurred in the process of lending to clients in Vietnam's commercial joint stock banks during the period of 2009 - 2017. The theories and empirical research studies for the macro and micro factors affecting nonperforming loan are mentioned in the research paper.

18p vimarillynhewson 02-01-2024 5 2   Download

The main results indicate that competition positively impacts on the probability of loan non-payment. However, more specifically, expanding lending products also denotes a positive effect on the capability of non-repayment, supported by the “competition – instability” prevalent view.

5p vispyker 16-11-2022 13 4   Download

Management of financial institution: Lecture 15. The main topics covered in this chapter include: role of commercial banks; purpose of a bank; commercial lending; banking services; services typically offered by banks; telephone banking;... Please refer to the content of document.

46p tieuvulinhhoa 22-09-2022 6 3   Download

The paper examines the factors impact on the bank’s liquidity risk for 12 Vietnamese commercial banks during the period from 2007 to 2017. The results show that there is a significant positive relationship between Return on Assets, loans to total assets, lending rate and liquidity risk ratio.

8p vihassoplattner 07-01-2022 17 1   Download

This paper examines the bank lending channel of monetary policy transmission and the effect of banking sector and capital market development on the lending channel using the bank-level panel data of 89 commercial banks in five ASEAN countries (Thailand, Malaysia, the Philippines, Singapore and Indonesia) over the period 1999e2011.

9p guernsey 28-12-2021 9 0   Download

General research objectives: The thesis aims to studying the credit risk management on loan portfolios in Vietnamese commercial banks, then proposes solutions and recommendations for improvement.

42p themeg 02-06-2021 56 6   Download

The paper focuses on the characteristics of micro enterprises, the determinants of micro enterprises access to credit, especially access to commercial banks credit. This question is addressed by reviewing existing literature and empirical evidence.

12p vimanoban2711 06-04-2021 16 2   Download

In this chapter, you will learn to: Describe the role of financial intermediaries, differentiate between bonds and stocks and show why their prices are inversely related to interest rates, explain how the financial system improves the allocation of saving to productive uses, discuss the three functions of money and how the money supply is measured, analyze how the lending behavior of commercial banks affects the money supply, explain how the central bank controls the money supply and its relation to inflation in the long run.

41p tradaviahe15 23-02-2021 14 1   Download

The research objective of the thesis is to study the factors affecting lending decisions to small and medium enterprise customers at commercial banks in the Northwestern sub-region of Vietnam.

0p trinhthamhodang8 20-10-2020 21 0   Download

In this chapter, you will learn to: Describe the role of financial intermediaries, differentiate between bonds and stocks and show why their prices are inversely related to interest rates, explain how the financial system improves the allocation of saving to productive uses, discuss the three functions of money and how the money supply is measured, analyze how the lending behavior of commercial banks affects the money supply, explain how the central bank controls the money supply and its relation to inflation in the long run.

15p nanhankhuoctai10 23-07-2020 8 1   Download

The thesis assesses risk management in lending activities of industrial and commercial banks. The terms credit risk, credit risk management, credit risk appetite, credit risk management policy ... used in the thesis are understood as terms used in lending activities of Industrial and Commercial Bank, excluding capital mobilization and other forms of credit such as LC issuance and guarantee.

28p cothumenhmong6 17-07-2020 27 3   Download

The industrial revolution 4.0 has affected the banking sector with the trend of transforming traditional banks into digital ones. Since the global financial crisis, risk management in banks has gained more prominence, and there has been a constant focus on how risks are being detected, measured, reported and managed. Recently, the world has seen a huge amount of data gathered within financial institutions (FIs). Crediting activities of banks must change for adapting with this trending.

14p nguathienthan6 06-07-2020 61 3   Download

This paper aims at investigating the impact of non-performing loans on the ability to make profit of Vietnamese commercial banks in the period of 2008 to 2017 and draws a conclusion as well as recommendations to mitigate the risk.

14p kelseynguyen 26-05-2020 12 0   Download

This study investigates how Vietnamese commercial banks respond to countercyclical monetary policy. At first glance, the empirical findings suggest the asymmetrical response of Vietnamese commercial banks to countercyclical monetary policy to be competitive and monetary authority successfully utilizes monetary policy instruments to achieve its objectives. In light of the known characteristics of the Vietnamese economy, the empirical results may be alternatively interpreted as the consequence of graft maximizing behavior of bank management operating in a corrupt and opaque environment.

33p nguyenminhlong19 21-04-2020 12 0   Download

There can be no substitute for the initial step of appropriate due diligence of past and expected results. Bankers should run scenario testing of pro forma financials, which applies probabilities to various future states, and a joint expected value is then calculated. The concept can only be effective if research is conducted to determine the causal factors that affect loan repayment. There is a gap in the literature in analyzing the behavior of corporate borrowers.

13p covid19 19-04-2020 17 2   Download

This paper provides an in-depth study on the history and evolution of Commercial Bank characteristic factors and other Macroeconomic variables on the financial industry performance indices in Nigeria from 1977 to 2010. The work employed a 3-stage procedure in the assessment of Commercial Bank characteristic factors and other Macroeconomic variables on Total Credit, Investment, and Commercial Bank Lending and Deposit Rate. The essence is to assess the impact of environmental factors on efficiency of commercial banks in Nigeria within the period of study.

12p covid19 19-04-2020 28 3   Download

In this paper we investigate the relationship between housing prices and mortgage lending in China. We analyze a sample of 28 Chinese domestic commercial banks during the period between 2003 and 2009. Our results suggest that the urbanization process in China contributes substantively to the mortgage credit boom. We find a distinct behavior of the economic housing market, in which the housing price and mortgage credits affect each other adversely. The monetary policy has a greater impact on the mortgage lending than banks’ characteristics.

10p cothumenhmong4 24-03-2020 26 2   Download

Small and Medium Enterprises are the driving force for the promotion of an economy. Due to its significance, all the countries either, developed or developing, are concentrating on the development of SME‟s. It is admitted fact that encouraging entrepreneurship is a key to improve competitiveness, boost trade volume, fostering economic activities and creation of job opportunities. Small enterprises are considered as main driver for innovation, poverty reduction, employment generation and social integration.

130p nguyenyenyn117 18-06-2019 37 6   Download

The industrialist cannot make higher investment due to inadequate saving or they may fail to raise the fund, so the commercial banks and financial institutions lead them by lending money for them. Author wants to present the exhaustive review on the role of expert system in Banking Sector with special reference to loan evaluation for the large scale industries.

4p hongnhan878 12-04-2019 35 2   Download

The paper uses the secondary data of 26 banks with 182 observations for the period of 2008–2014 and applies the panel data regression method. The empirical results indicate that lending scale, credit risk, capitalization, and interest rate have positive impacts on net interest margin.

12p danhnguyentuongvi27 18-12-2018 46 2   Download