The Rationale Of Bank Lending In Pre-Crisis Thailand
A data set of 560 credit files from Thai commercial banks is compiled. The loans granted between 1992 and 1996 follow a pattern known from mature markets as a similar set of variables explains much of the variance in interest rate spread. A second finding is the expected higher importance of "relationship banking". Third, risk is controlled via credit availability and not via pricing. Fourth, the ex post information about riskiness reveals that banks could have made better use of available information. Overall, the problem was not excessive lending to firms with which the lenders had close relationships, but rather one of fully recognizing the risk factors.
|Date of creation:||2003|
|Date of revision:|
|Contact details of provider:|| Postal: |
Fax: +49 228 / 73-5097
Web page: http://www.zef.de/
More information through EDIRC
When requesting a correction, please mention this item's handle: RePEc:ags:ubzefd:18733. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (AgEcon Search)
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.