Factors may drive the commercial banks lending: evidence from Jordan
Factors may drive the commercial banks lending: evidence from Jordan
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可能推动商业银行放贷的因素：来自约旦的证据
DOI：
10.21511/bbs.12(2).2017.03
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发表时间：
2017
影响因子：
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通讯作者：
Ayman Mansour Khalaf Alkhazaleh
中科院分区：
文献类型：
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作者：
Ayman Mansour Khalaf Alkhazaleh
为了更好地了解银行的贷款行为，特别是在发展中国家的环境中，本研究旨在通过受益于2010-2016年期间13家银行的财务报告，解释约旦商业银行贷款的决定因素。为了达到研究目的和检验主要假设，本研究采用了普通最小二乘模型（OLS）。研究的最重要的结果是，信贷风险和流动性对银行贷款产生了统计上显著的不利影响，而资产回报率、按资产衡量的银行规模、通货膨胀、货币供应量和国内生产总值增长率在确定贷款水平方面则产生了显著的积极影响。此外，该研究没有显示出在同一时间框架内投资、存款量和银行贷款之间的显著统计效应。审查指出，由于流动性和信贷风险因素的负面影响，商业银行需要更加注重减少其影响，因为这种影响的存在最终将降低这些银行提供贷款和留在银行市场的能力。
In an attempt to shed more light on the behavior of lending in banks, especially in the environment of developing countries, this study aims at explaining the impact of some factors proposed as determinants of bank lending in Jordanian commercial banks by benefiting from the financial reports of thirteen banks during the period 2010-2016. The study, in order to achieve the objectives and to test the main hypotheses has adopted Ordinary least square model (OLS). The most important results of the study are a statistically significant adverse effect of both credit risk and liquidity on bank lending, while there is a significant positive effect of the return on assets, size of the bank measured by assets, inflation, money supply and growth in gross domestic product in determining the level of lending. In addition, the study does not show a significant statistical effect between investments, the volume of deposits and bank lending in the same time frame. The review points out that because of the negative impact of liquidity and credit risk factors, commercial banks need to focus more on reducing their impact because presence of this impact at the end will decrease the ability of these banks to provide loans and stay in the banking market.