Please use this identifier to cite or link to this item: https://scholarbank.nus.edu.sg/handle/10635/147749
Title: A COMPARATIVE STUDY OF BANK CREDIT CYCLES: STATE-OWNERSHIP AND ITS EFFECT ON LENDING BEHAVIOUR
Authors: LIM JUNJIE
Issue Date: 2014
Citation: LIM JUNJIE (2014). A COMPARATIVE STUDY OF BANK CREDIT CYCLES: STATE-OWNERSHIP AND ITS EFFECT ON LENDING BEHAVIOUR. ScholarBank@NUS Repository.
Abstract: This paper investigates the lending cyclicality of state-owned banks across the business cycle by studying 4,334 banks, of which 317 are state-owned, across 101 countries. Firstly, I find that despite regional differences, state-owned bank lending is less procyclical than privately owned banks. Secondly, during recessionary years, state-owned bank lending dampens the effect of credit contraction by privately owned banks, either by not contracting credit as much, or through countercyclical lending. Thirdly, state-owned bank lending is typically more procyclical in Emerging Countries than in Developed Countries, indicating behavioural differences due to gaps in economic development. Lastly, state-owned bank lending is mostly significantly different from privately owned banks only in countries with a low concentration of state-owned banks in the banking system.
URI: http://scholarbank.nus.edu.sg/handle/10635/147749
Appears in Collections:Bachelor's Theses

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