We study the sensitivity of banks’ credit supply to small and medium size enterprises (SMEs) in the UK to banks’ financial condition before and during the financial crisis. Employing unique data on the geographical location of all bank branches in the UK, we connect firms’ access to bank credit to the financial condition (i.e., bank health and the use of core deposits) of all bank branches in t...

A Bayesian latent variable model with classification and regression tree approach is built to overcome three challenges encountered by a bank in credit-granting process. These three challenges include (1) the bank wants to predict the future performance of an applicant accurately; (2) given current information about cardholders’ credit usage and repayment behavior, financial institutions would ...

BACKGROUND Under the rapid change of the global financial environment, the risk control of the credit granting is viewed as the foremost task to each bank. With the impact one by one from financial crisis and European debt crisis, the steady bank business is also facing the severe challenge. Banks approve the credits for their customers and then make money from the interest. CASE PRESENTATION...

one of the obstacles that has caused agricultural sector not to reach significant and expected growth is shortage of short, medium and long–term funds to finance various activities of this sector. this study aims at investigating the economic impacts of credits granted by agricultural bank on farmers on hirmand region. the statistical population of the survey included 4691 farmers of hirmand re...

This study wants to investigate the rating of the actual customers of banks based on credit risk using multiple criteria decision making and artificial intelligence hyperbolic regression. This is an applied research. The statistical population of the study includes the credit customers of Agriculture Bank in west branches of Mazandaran province, Iran in 2012-2016. A total of 100 cases have been...

This paper studies bank loans over the business cycles in Iran to determine the role of Iranian banks in stabilizing credit. By estimating the long-run relations using dynamic OLS and fully modified OLS estimators, the findings show that real bank lending is positively related to real GDP in the long-run providing evidences of the pro-cyclicality of bank lending in Iran. Hence, Iranian banking ...

Many microcredit institutions bundle credit with health, education, or other programs. This paper reviews arguments on such “tie-ins” and concludes that net benefits are possible but requires empirical testing. Quasi-experimental data from Project HOPE’s “health banks” and credit-only village banks are then examined. The paper presents evidence that health practices do not improve automatically...

This paper has investigated a possible relationship between credit market structure and bank development in Iran and selected developing countries, using a panel regression analysis. Accordingly, the bank development index is proxied by the allocated credits to private sector, while a dummy variable has been defined as a proxy for credit market. To estimate the regressions, we have used data of...