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On the factors driving bank lending standards: Global evidence from bank lending surveys

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  • Liu, Yan
  • Zhao, Xueqing

Abstract

Using a newly available dataset of bank lending surveys for 33 countries, this paper examines the factors driving bank lending standards for credit to enterprises. We find that the balance sheet, competition, and risk perception factors all significantly influence bank lending standards. In addition, we demonstrate that competition is more relevant for easing of lending standards, while collateral and borrower risk are more relevant for tightening of lending standards.

Suggested Citation

  • Liu, Yan & Zhao, Xueqing, 2023. "On the factors driving bank lending standards: Global evidence from bank lending surveys," Economics Letters, Elsevier, vol. 233(C).
    • Handle: RePEc:eee:ecolet:v:233:y:2023:i:c:s0165176523004573
    DOI: 10.1016/j.econlet.2023.111431
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    More about this item

    Keywords

    Bank lending survey; Bank lending standards; Bank risk-taking;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy

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