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Banking Sector Fundamentals: Learning from the Recent Bank Lending Contraction

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Author Info

  • Mathinee Subhaswasdikul

    (Bank of Thailand)

  • Don Nakornthab

    (Bank of Thailand)

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    Abstract

    The paper investigates the recent contraction of bank lending in Thailand and its implication for the economy. Analyses are conducted at both aggregate and disaggregate levels. At the aggregate level, a disequilibrium econometric estimation is employed to assess the relative extent in which supply and demand factors have contributed to the credit slowdown. At the disaggregate level, the paper uses individual bank data to analyze relationship between measures of bank condition and bank lending behavior. The paper finds that availability of loanable funds and NPL overhang, both of which played a prominent role during the early stage of the contraction period, no longer appear to be major constraining factors of loan growth.

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    File URL: http://www.bot.or.th/Thai/EconomicConditions/Publication/DiscusPaper/DocLip_discussion/dp012003mathinee_thai.pdf
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    Bibliographic Info

    Paper provided by Economic Research Department, Bank of Thailand in its series Working Papers with number 2003-11.

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    Length: 50 pages
    Date of creation: Jan 2003
    Date of revision:
    Handle: RePEc:bth:wpaper:2003-11

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    Related research

    Keywords: banks; credit crunch; financial crisis; Thailand;

    References

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. Atish R. Ghosh & Swart R. Ghosh, 1999. "East Asia in the Aftermath - Was There a Crunch?," IMF Working Papers 99/38, International Monetary Fund.
    2. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
    3. Agenor, Pierre-Richard & Aizenman, Joshua & Hoffmaister, Alexander, 2000. "The credit crunch in East Asia : what can bank excess liquid assets tell us ?," Policy Research Working Paper Series 2483, The World Bank.
    4. Adolfo Barajas & Roberto Steiner, 2002. "Credit Stagnation in Latin America," IMF Working Papers 02/53, International Monetary Fund.
    5. Domac, Ilker & Ferri, Giovanni, 1998. "The real impact of financial shocks : evidence from the Republic of Korea," Policy Research Working Paper Series 2010, The World Bank.
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    Cited by:
    1. Chansarn, Supachet, 2005. "The efficiency in Thai financial sector after the financial crisis," MPRA Paper 1776, University Library of Munich, Germany, revised Dec 2006.

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