INFORMATION, INSTITUTIONS, AND BANKING SECTOR DEVELOPMENT IN WEST AFRICA
INFORMATION, INSTITUTIONS, AND BANKING SECTOR DEVELOPMENT IN WEST AFRICA
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西非的信息、机构和银行业发展
DOI：
10.1111/j.1465-7295.2011.00376.x
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发表时间：
2011
期刊：
影响因子：
1.8
通讯作者：
DEMETRIADES P
中科院分区：
文献类型：
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作者：
DEMETRIADES P
使用一个新的西非面板数据集，我们提供的证据，个别银行的贷款和资产在世界上一些最贫穷的国家的决定因素。较高的贷款违约率会降低贷款与资产的比率和资产数量。然而，这些影响的大小是敏感的银行年龄和所有权结构。年轻的、私营的、国内拥有的银行受到的影响最大，这表明这些银行面临着最严重的信息劣势。非常古老的国有银行受益于高违约率。我们还探讨了治理质量如何影响贷款和资产。（JELG21，O16）
Using a new West African panel data set, we provide evidence on the determinants of individual banks' loans and assets in some of the poorest countries in the world. Higher loan default rates reduce both the loans to assets ratio and the volume of assets. However, the size of these effects is sensitive to bank age and ownership structure. Younger, private, domestically owned banks are most affected, suggesting that such banks face the most severe informational disadvantages. Very old government‐owned banks benefit from high default rates. We also explore how the quality of governance impacts on loans and assets.(JELG21, O16)