We exploit the 2004 Indian Ocean Tsunami as a natural experiment to investigate how aggregate bank lending changes in response to a large and unexpected shock. Using a dataset comprising aggregate bank loans at provincial level, we assess the impact of the Indian Ocean Tsunami of 2004 on aggregate provincial lending in Thailand. The results of a Difference-in-Differences investigation suggest t...

Recent research on multi-loan lending operations has remained largely silent on the question of what ties together the retail banking functions of scale and scope lending. Our main point is that in a sense, they are just two different manifestations of banking expansion. This is especially true to the extent that banks are heavily involved in consolidation-based lending. In a multi-loan call pr...

Abstract This study explores the impact of monetary policy National Bank Romania, with its instruments and objectives during Covid-19 pandemic, on banks lending in considering data provided by NBR for last 6 years. Overall, our findings confirm that increasing bank channel global was active pandemic crisis.

Bank lending is an important investment activity in an economy. It is widely held that banks are well informed about their borrowers, and banks use such information in their lending decisions to preserve the qualities of their loan portfolios. In this study, we propose a model of the interplay between banks and financial analysts who follow their stocks, and characterize equilibrium with a view...

Recent studies have found that banks with low capital ratios have significantly decreased their lending to the real estate sector. This correlation between real estate lending and bank capital could be the result of voluntary decisions by banks to-recapitalize, or it could be the result of direct actions taken by bank regulators. We find that banks with low capital ratios reduce their real esta...

banking without usury is a very important object that has been considered by experts and investigated all time. in this writing, we have explored banking debt with known profit and concluded its rightness, based on soling debt right. in this way after lending money the bank sales it to debtor with agreed price. the way is similar about person's lending to bank and thus there is no usury. i...

We analyze optimal monetary policy in a sticky price model where the central bank supplies money outright via asset purchases and lends money temporarily against collateral. The terms of central bank lending a¤ect rationing of money and impact on macroeconomic aggregates. The central bank can set the policy rate and its in‡ation target in a way that implements the …rst best long-run allocation,...

This paper examines the asymmetric effects of monetary policy on output and the role of bank-lending behavior. We investigate whether contractionary and expansionary policies have asymmetric impacts on bank loans, and whether there are further differences in the response of small banks and big banks to policy actions. We also investigate the link between changes in bank lending and aggregate ec...