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1
documento de trabajo
Publicado 2012
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This article analyzes the impact of free-banking on the banking sector in Latin America in the 19th and early 20th centuries. I use data for seven countries to compare the entry of banks and the growth of bank output prior and after the enactment of free-banking laws to determine whether free-banking (by establishing general requirements for granting note-issuance rights) lowered barriers to entry. The results show that in most Latin American countries the adoption of free-banking laws did not cause in the short run an increase in bank entry and in bank output growth.
2
artículo
Publicado 2012
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In this paper I investigate whether there is a systematic difference between conventional banks and participation banks in terms of their response to monetary policy shocks. For this purpose I look at the quarterly loan growth of commercial banks and participation banks in Turkish banking sector and see whether the lending channel of monetary policy differs depending on bank type. At the same time I control for some bank specific variables namely the log of real assets the ratio of liquid assets to total assets and the ratio of equity to total assets. I find that participation banks show larger reaction to monetary policy. In terms of bank specific variables banks with higher liquidity ratio tend to have higher loan growth whereas banks with larger asset size have smaller loan growth.
3
artículo
Publicado 2012
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In this paper I investigate whether there is a systematic difference between conventional banks and participation banks in terms of their response to monetary policy shocks. For this purpose I look at the quarterly loan growth of commercial banks and participation banks in Turkish banking sector and see whether the lending channel of monetary policy differs depending on bank type. At the same time, I control for some bank specific variables, namely the log of real assets, the ratio of liquid assets to total assets and the ratio of equity to total assets. I find that participation banks show larger reaction to monetary policy. In terms of bank specific variables, banks with higher liquidity ratio tend to have higher loan growth, whereas banks with larger asset size have smaller loan growth. DOI: https://doi.org/10.1016/S2077-1886(12)70003-3
4
artículo
Publicado 2001
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The financin of an enterprise is represented with the resources used to get the necessary assets to develop its operations. One of this tools is given through the financial system, in which we can find the banks. A ban entity has its own matrix (row material-product), the resources that gets through deposists (saves accounts and others),that with its own capital are invested in viable business using differents ways. Commonly a company makes both type of business, in the first case with its cash exceeds looking for high interest and low risk; on the other hand, its cash needs are financing through debt documents- banking documents- to be added to the amounts given as capital by the shareholders.
5
artículo
Publicado 2001
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The financin of an enterprise is represented with the resources used to get the necessary assets to develop its operations. One of this tools is given through the financial system, in which we can find the banks. A ban entity has its own matrix (row material-product), the resources that gets through deposists (saves accounts and others),that with its own capital are invested in viable business using differents ways. Commonly a company makes both type of business, in the first case with its cash exceeds looking for high interest and low risk; on the other hand, its cash needs are financing through debt documents- banking documents- to be added to the amounts given as capital by the shareholders.
6
artículo
Publicado 2009
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The purpose of the paper is to examine whether UK banks recognize that population ageing and the increasing wealth the over-50 age group, relative to younger people in the 18-49 year age group, mean the older consumer offers an increasingly important target market to sustain business performance. A mail survey was undertaken of UK bank employees. The survey tool utilized previously validated scales to assess entrepreneurial orientation, strategic flexibility, and organizational competence. Results suggest that, when compared to an earlier study of other financial service providers, branchlevel employees perceive that their banks lack entrepreneurial orientation and strategic flexibility. The implication is the ability of these banks to exploit the opportunity to generate incremental revenue from focusing upon the marketing of services to people over 50 may be somewhat restricted. The sur...
7
artículo
Publicado 2020
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The objective this paper is analyzed the relationship between the administration of the working capital and the profitability of assets of the companies of the Peruvian agricultural sector of the period 2009-2018. Through an econometric model it was obtained that the ROA is significantly related to the PPI (p <0.05), PPC (p <0.05) and PPP (p <0.10). This indicates that the profitability of these companies depends on the application of appropriate policies regarding their inventories, accounts receivable and accounts payable.
8
artículo
Publicado 2018
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Purpose – This paper aims to examine the distributional differences of Islamic bank financing responses to financing rate across bank-specific characteristics in dual banking system. The study also aims to provide understanding of how efficiently Islamic banks perform their roles as suppliers of capital for businesses and entrepreneurs. Design/methodology/approach – The study uses panel regression methodology covering all Islamic banks in Malaysia. The study estimates the benchmark model for Islamic bank financing with respect to bank characteristics and monetary policy. Findings – The evidence suggests that bank-specific characteristics are important in determining Islamic financing behaviour. The Islamic financing behaviour is consistent with conventional lending behaviour that the Islamic bank financing operates depending on the level of bank size, liquidity and capital. There i...
9
artículo
Publicado 2025
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The financial system regulation establishes mechanisms to protect the public savings, required by the Peruvian Political Constitution. One ofthose mechanisms is the “Netting”. However, in the last 15 years, Indecopi has issued resolutions preventing the application of this provision; andamong some years, there have been pronouncements from the Judiciary Entity, that include in their analysis the constitutional protection of salary.
10
artículo
Publicado 2018
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Purpose. This paper aims to examine the distributional differences of Islamic bank financing responses to financing rate across bank-specific characteristics in dual banking system. The study also aims to provide understanding of how efficiently Islamic banks perform their roles as suppliers of capital for businesses and entrepreneurs. Design/methodology/approach. The study uses panel regression methodology covering all Islamic banks in Malaysia. The study estimates the benchmark model for Islamic bank financing with respect to bank characteristics and monetary policy. Findings. The evidence suggests that bank-specific characteristics are important in determining Islamic financing behaviour. The Islamic financing behaviour is consistent with conventional lending behaviour that the Islamic bank financing operates depending on the level of bank size, liquidity and capital. There is no sign...
11
documento de trabajo
Publicado 2012
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The present report will show that in 10 years time, China’s banking industry would still be dominated by Chinese firms. Analyzing the future competitive environment in China’s banking industry, we can see from the different sources that the non-market environment (mainly governmental policy) will drive the trends of the future (see p.18). Thus, only if the government continues to open industries, like banking, to foreign investment (see p.20), will we see an increase from the current 2% market share of multinational banks. In that scenario, Chinese banks could suffer pricing pressure and lower profitability, as seen in China’s banking value chain (see p. 11). For a better understanding of the issue, this report presents an overview of China’s banking industry (brief history, current status of its value chain) and then it highlights trends in both the international and Chinese mar...
12
artículo
Publicado 2016
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The shadow banking system is an emerging financial sector with large funds that compete with the Banking System, such as AFPs, Cooperatives, Consumer Banking, Credit Cards, Stock Brokerage Firm (SBF), Mutual Funds, Municipal Banks credit, CRAC, and in developed countries large consulting firms turned into sources of financing and securities issue. The US Shadow Banking system already owns 36% of the total assets of the Banking System, in the eurozone a 39%, in Peru it grows out of the regulation of the supervisory authorities. Shadow Banking System emerged in developed countries due to over-regulation of the Banking System, the lack of coverage of inflation on bank deposits interest rates, the quicker technological change than the formal Banking System; the strong attraction of managers and qualified personnel from the Banking System towards the Shadow Banking System. It is composed of i...
13
artículo
Publicado 2014
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The determinants of spread are internal variables of each bank, market variables and macroeconomic variables. The behavior of each of these variables on spreads, can determine the efficiency of the financial system. To establish the relationship-specific data are used a number of banks in the market and perform regressions, according to the characteristics of these To determine the regressions used the fixed effects model and random effects model and generalized least square (GLS). The paper shows that Chile has an inefficient banking market, due to its monopolistic tendencies. While this inefficiency does not create competitive disadvantages worldwide, generates an extra charge for local customers
14
informe técnico
Publicado 2009
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Este trabajo se llevó a cabo con la ayuda de una subvención del Centro Internacional de Investigaciones para el Desarrollo, Ottawa, Canadá
15
artículo
Publicado 2014
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The determinants of spread are internal variables of each bank, market variables and macroeconomic variables. The behavior of each of these variables on spreads, can determine the efficiency of the financial system. To establish the relationship-specific data are used a number of banks in the market and perform regressions, according to the characteristics of these To determine the regressions used the fixed effects model and random effects model and generalized least square (GLS). The paper shows that Chile has an inefficient banking market, due to its monopolistic tendencies. While this inefficiency does not create competitive disadvantages worldwide, generates an extra charge for local customers
16
tesis de grado
Publicado 2024
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In a society in constant growth, banking institutions have been forced to satisfy more and more the needs of their clients. Among the most requested services are the bank loans, particularly those intended for medium and large-sized companies. This study deals with the development of a proposal to improve the evaluation stage of the business banking credit process, this stage has a duration of 12 days, generating cost overruns and multiple sources of waste. The implementation of Lean thinking, Business process management and the use of simulation will be used to achieve the objectives. The results obtained were as expected, demonstrating that by implementing different improvements in certain critical activities, an improvement of 16.12% can be achieved, thus reducing the duration of the stage by 2 days.
17
artículo
Publicado 2021
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Purpose. This paper aims to offer an empirical study of the impact of institutional quality on the banking system risk and credit risk. Design/methodology/approach. Applying cross-sectional dependent tests and stationary tests to check the property of our sample, the panel corrected standard errors model is recruited as the main estimator, while feasible generalized least squares, pool ordinary least squares (OLS), robust pool OLS and other estimators are used as a robustness check for an unbalanced panel data for 56 economies divided into three subsamples between 2002 and 2015. Findings. The empirical results show several significant contributions. First, an improvement in institutional quality is an important factor to reduce the banking system risk. This effect of the institutions is less important in well-capitalized, highly profitable and in high-economic growth countries. This effe...
18
artículo
Publicado 2016
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A preliminary concept of great importance lies in the necessary distinction between economic growth and development in general. Indeed, growth is exclusively circumscribed to the economic aspect, it is only quantitative in nature and its main macroeconomic record lies in the measurement of gross domestic product. Development, on the other hand, is not limited exclusively to the economic aspect and is not purely quantitative, since it encompasses qualitative aspects that also include economic, political, social and cultural fields.In the present article, different aspects of the various economic systems are outlined, particularly analyzing Peru; according to the 58th article of the current constitution, it responds to the Social Market Economy model.Thus, within the whole context, the analysis concentrates on the study of the virtues and favorable consequences, with the institution of sec...
19
artículo
Publicado 2022
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Various empirical studies show that the lack of financing affects the economic growth of companies and that SMEs are the most affected by this restriction. Through a non-experimental and longitudinal research design of trends through the collection of data from the quarterly survey for the conjunctural evaluation of the credit market from 2010 to 2021, this study aims to determine the predictions of bank financing in SMEs from 2022 to 2024 using the Holt-Winters method. Among the results, it was found that there is a large gap in access to bank financing between SMEs and large companies. SMEs with bank debt as of December 2021 was 35.3%, while in large companies it was 56.1%. Likewise, SMEs that used new loans was 8.1%, while in large companies it was 23.6%. Predictions for 2024 indicate that there will be no significant variations. Among the main limitations to access bank financing are...
20
artículo
Publicado 2021
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Purpose. This paper aims to offer an empirical study of the impact of institutional quality on the banking system risk and credit risk. Design/methodology/approach. Applying cross-sectional dependent tests and stationary tests to check the property of our sample, the panel corrected standard errors model is recruited as the main estimator, while feasible generalized least squares, pool ordinary least squares (OLS), robust pool OLS and other estimators are used as a robustness check for an unbalanced panel data for 56 economies divided into three subsamples between 2002 and 2015. Findings. The empirical results show several significant contributions. First, an improvement in institutional quality is an important factor to reduce the banking system risk. This effect of the institutions is less important in well-capitalized, highly profitable and in high-economic growth countries. This effe...
