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论文作者:英语论文论文属性:调研报告 Research Proposal登出时间:2014-11-07编辑:zcm84984点击率:19879
论文字数:5725论文编号:org201411062253073573语种:英语 English地区:新西兰价格:免费论文
摘要:本文是一篇留学生银行满意度调查论文,一个借款人在个人银行的关系中面临着转换成本;如果它最先的银行是处于财务危机的,从一个单一贷款方贷款,将会耗资巨大。
The analysis of bank level data indicates that even healthier banks, which did not experience significant declines in profitability or capital, reduce their loan-to-asset ratio following a crisis. This evidence in favor of the hypothesis that weak loan demand, rather than supply disruption, is the main cause of depressed credit growth following a banking crisis. From this perspective, policies to quickly (and sometimes indiscriminately) recapitalize weak banks so that they can start lending again may be misguided.
Because banking crises are often accompanied by sharp adjustments in the exchange rate (Kaminsky and Reinhart, 1999), and in some countries bank deposits and loans are denominated in foreign currency, correcting for exchange rate valuation effects is potentially important to understand the aftermath of a banking crisis. Another important result of our analysis is that these valuation effects, while they may be sizable for individual countries, do not significantly alter the overall picture.
A last finding of the study is that banks, regardless of how severely distressed, seem to be able to improve their operational efficiency following a banking crisis. An interesting topic for future research would be to investigate how these cost reductions are achieved.
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Lowe, P – Rohling, T (1992) Loan Rate Stickiness: Theory and Evidence. Reserve Bank of Australia, Research本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。