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  • 标题:The determinants of lending interest rates of Jordanian listed commercial banks
  • 本地全文:下载
  • 作者:Ali Mustafa Al-Qudah
  • 期刊名称:Accounting
  • 印刷版ISSN:2369-7393
  • 电子版ISSN:2369-7407
  • 出版年度:2021
  • 卷号:7
  • 期号:4
  • 页码:719-726
  • DOI:10.5267/j.ac.2021.2.013
  • 出版社:Growing Science
  • 摘要:This study aimed to examine the determinants of lending interest rates of 13 Jordanian commercial banks listed on the Amman Stock Exchange for the period 2011-2018. The factors include liquidity, profitability (ROA), bank size, operating cost ratio, deposit interest rate and inflation rate. The fixed effects model was performed as suggested by Hausman test. The results of the fixed effects model show that ROA and bank size had negative significant impacts on lending interest rates. Liquidity had a negative insignificant impact. The results also show that deposit interest rate and inflation had a positive significant impact on lending interest rate of Jordanian commercial banks. Operating cost ratio also had a positive insignificant impact. Thus, the results indicate that ROA, bank size, deposit interest rate and inflation were good determinants of the lending interest rates of Jordanian listed commercial banks. The study suggests that banks should use profitability and the size of the bank as tools to reduce the lending interest rate, as it is one of the factors that can cause a further decrease in the lending interest rates.
  • 关键词:Lending interest rate; Commercial banks; Liquidity; Deposit rate
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