Related Lending and Bank Performance: Evidence from Indonesia
Related Lending and Bank Performance: Evidence from Indonesia
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相关贷款和银行绩效：来自印度尼西亚的证据
DOI：
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发表时间：
2010
期刊：
影响因子：
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通讯作者：
M. Konishi
中科院分区：
文献类型：
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作者：
Miki Hamada;M. Konishi
1997年亚洲金融危机后，许多国家的银行都向其关联方提供贷款。本文考察的问题是，关联借贷是否起到了缓解信息不对称问题的作用，还是将存款人和小股东的利润转移给关联方的作用。相关贷款对印度尼西亚银行的盈利能力和风险的影响使用1994年至2007年的面板数据进行了检查，其中包括74家印度尼西亚银行。不同时期对资产收益率（ROA）的影响不同。危机前后，关联方的信贷配置越高，总资产回报率越高。在危机中期，它变成了负值；在印尼经济正常化的最近一段时期也是如此。相关贷款对Z-score衡量的银行风险和不良贷款的影响尚不清楚。银行重组后，相关贷款减少，银行利润结构发生变化。
After the Asian financial crisis of 1997, it was confirmed that banks lend to their related parties in many countries. The question examined in this article is whether related lending functions to alleviate the problems of asymmetric information or transfers profits from depositors and minority shareholders to related parties. The effects of related lending on the profitability and risk of banks in Indonesia are examined using panel data from 1994 to 2007 comprising a total of 74 Indonesian banks. The effects on return on asset (ROA) varied at different periods. Before and right after the crisis, a higher credit allocation to related parties increased ROA. In middle of the crisis, it turned to negative; and this has also been the case in the most recent period as the Indonesian economy has normalized. Effects of related lending on bank risk measured by the Z-score and non-performing loan is not clear. After undergoing bank restructuring, related lending has decreased and the profit structure of banks has changed.
影响因子：
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作者：
Charumilind, C;Kali, R;Wiwattanakantang, Y
通讯作者：
Wiwattanakantang, Y