Cantú, Carlos
[Verfasser:in]
;
Claessens, Stijn
[Sonstige Person, Familie und Körperschaft];
Gambacorta, Leonardo
[Sonstige Person, Familie und Körperschaft]
How Do Bank-Specific Characteristics Affect Lending? New Evidence Based on Credit Registry Data from Latin America
Anmerkungen:
Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments July 31, 2019 erstellt
Beschreibung:
This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and apply a common empirical strategy. Since data confidentiality prevents the pooling of the data, we use meta-analysis techniques to summarise the results. We find that large and well-capitalised banks with low risk indicators, stable sources of funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and global shocks, with the role of specific characteristics varying by the type of shock