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  • 标题:Foreign Bank Entry and Credit Allocation to SMEs: Evidence from ASEAN Countries
  • 本地全文:下载
  • 作者:Viverita ; Viverita ; Arief W. Lubis
  • 期刊名称:Procedia - Social and Behavioral Sciences
  • 印刷版ISSN:1877-0428
  • 出版年度:2015
  • 卷号:211
  • 页码:1049-1056
  • DOI:10.1016/j.sbspro.2015.11.140
  • 语种:English
  • 出版社:Elsevier
  • 摘要:AbstractThis study assesses the impact of foreign banks penetration based on their mode of entry:Greenfieldand takeover of previously domestic-owned banks on the credit allocation to SMEs. The results reveal that Greenfield banks tend to lend smaller proportion to SMEs than take-over banks. This result implies thatgreenfieldbanks have comparative disadvantages in lending to more opaque borrowers, therefore ‘cream-skimming’ them and prefer to lend to “credit-worthy” customers like large corporations. The findings suggest that without any specific policy from regulators to fulfill the needs of SMEs, foreign banks will always tend to benefit only large corporations.
  • 关键词:Foreign bank;Greenfield;Take over;Credit Allocation;SMEs;ASEAN
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