Exploring the relationship between credit policies and results of the ex-post Spanish banking

被引：0

作者：

Ibanez Hernandez, Francisco Jaime ^{[1
]}

Pena Cerezo, Miguel Angel ^{[2
]}

Araujo de la Mata, Andres ^{[3
]}

机构：

[1] Univ Basque Country, Unidad Delegada, Fac Ciencias Econ & Empresariales Vitoria, Bilbao, Spain

[2] Univ Basque Country, Escuela Univ Estudios Empresariales Vitoria, Bilbao, Spain

[3] Univ Basque Country, Fac Ciencias Econ & Empresariales Bilbao, Catedrat Univ, Bilbao, Spain

来源：

REVISTA UNIVERSIDAD EMPRESA | 2008年 / 10卷 / 14期

关键词：

Credit risk; credit policies; banking profitability; procyclicality;

D O I：

暂无

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This paper analyzes the relationship between bank credit policies and their ex-post performance. Literature review reveals that, sometimes, credit markets can be affected by a stronger endogenous component that usually assumed. We propose that the growth speed of the bank credit portfolio in expansive cycles is related to its ex-post performance once the recession cycle begins. The analysis outcomes reflect a strong relation between the speed in the expansion of the credit and a poorer behaviour of the benefits, returns and insolvencies.

引用

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页码：11 / 33

页数：23

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