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Author
Rachuba Joanna (Uniwersytet Szczeciński), Skała Dorota (Uniwersytet Szczeciński)
Title
Struktura akcjonariatu a polityka kredytowa w bankach Europy Centralnej
Shareholder Structure and Credit Policy in Central European Banks
Source
Finanse, Rynki Finansowe, Ubezpieczenia, 2016, nr 4 (82) Cz.2, s. 713-721, rys., tab., bibliogr. 20 poz.
Issue title
Rynek kapitałowy i wycena przedsiębiorstw
Keyword
Bankowość, Akcjonariat, Polityka kredytowa, Banki krajowe
Banking, Shareholding, Crediting policy, Domestic banks
Note
streszcz., summ., Badania zrealizowano ze środków Narodowego Centrum Nauki w ramach projektu badawczego "Wpływ akcjonariatu na politykę tworzenia rezerw i wygładzanie dochodów w bankach Europy Centralnej" nr 2015/17/D/ HS4/03118.
Country
Europa Środkowa
Central Europe
Abstract
Celem artykułu jest wstępna analiza polityki kredytowej banków Europy Centralnej, ze szczególnym uwzględnieniem struktury akcjonariatu. W badaniu dokonano przeglądu literatury z zakresu polityki kredytowej, w którym wykazano związki między strukturą akcjonariatu a polityką kredytową, widoczne głównie w okresach kryzysu finansowego. Wstępna analiza danych z banków komercyjnych 10 krajów Europy Centralnej za okres 2003-2013 wskazuje, że występują istotne różnice w polityce kredytowej banków posiadających akcjonariusza zagranicznego i krajowego. Banki zagraniczne silniej ograniczyły akcję kredytową wskutek kryzysu finansowego niż banki krajowe. Z drugiej strony jakość aktywów banków zagranicznych w ostatnich latach jest wyższa, dzięki czemu nie muszą one tworzyć tak wysokich rezerw na należności zagrożone.(abstrakt oryginalny)

The aim of our paper is a preliminary analysis of credit policy of Central European banks, with a particular emphasis on shareholder structure. The study includes a literature review relating to credit policy, describing links between shareholder structure and credit policy, visible mainly during periods of financial crises. A preliminary analysis of data from commercial banks form 10 Central European countries for the period 2003-2013 indicates that there are significant differences in credit policy of banks with a foreign and domestic shareholder. As a result of the financial crisis, banks with foreign ownership are demonstrated to have reduced their credit supply more than domestic banks. On the other hand, asset quality in foreignheld banks has been higher in recent years, which has allowed them to create less loan loss provisions than domestic peers.(original abstract)
Accessibility
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of Poznań University of Economics and Business
Szczecin University Main Library
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Bibliography
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ISSN
2450-7741
Language
pol
URI / DOI
http://dx.doi.org/10.18276/frfu.2016.4.82/2-62
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