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  • 标题:Explorando la relación entre políticas crediticias y resultados de la banca española ex-post.
  • 本地全文:下载
  • 作者:Francisco Jaime Ibáñez Hernández ; Miguel Ángel Peña Cerezo ; Andrés Araujo de la Mata
  • 期刊名称:Universidad y Sociedad
  • 电子版ISSN:2218-3620
  • 出版年度:2008
  • 卷号:10
  • 期号:14
  • 页码:11-33
  • 语种:Spanish
  • 出版社:Universidad de Cienfuegos
  • 摘要:This paper analyzes the relationship between bank credit policies and their ex-post performance. Literature review reveals that, sometimes, credit markets can be affected by a stronger endogenous component that usually assumed. We propose that the growth speed of the bank credit portfolio in expansive cycles is related to its ex-post performance once the recession cycle begins. The analysis outcomes refl ect a strong relation between the speed in the expansion of the credit and a poorer behaviour of the benefi ts, returns and insolvencies.
  • 关键词:Credit risk, credit policies, banking profi tability, procyclicality;riesgo de crédito, políticas crediticias, rentabilidad de la banca, prociclicidad.
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