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Autor
Rahman Ashiqur (omas Bata University in Zlin, Czech Republi), Belas Jaroslav (Tomas Bata University in Zlin, Czech Republic), Rosza Zoltan (Public Administration in Bratislava, Slovak Republic), Kliestik Tomas (University of Zilina, Slovak Republic)
Tytuł
Does Bank Ownership Affect Relationship Lending : a Developing Country Perspective
Źródło
Journal of International Studies, 2017, vol. 10, nr 1, s. 277-288, tab., bibliogr. 36 poz.
Słowa kluczowe
Bankowość, Finanse banków, Małe i średnie przedsiębiorstwa, Pożyczki bankowe
Banking, Banks finance, Small business, Bank loans
Uwagi
Klasyfikacja JEL: G21, L26, O16
summ., The authors are thankful to the Internal Grant Agency of FaME TBU No. IGA/FaME/2017/010: Financial Constraints on Economic Activities, for financial support to carry out this research
Kraj/Region
Bangladesz
Bangladesh
Abstrakt
In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks) and foreign banks - can affect relationship lending to small and medium enterprises (SMEs) by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants). Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks. (original abstract)
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Bibliografia
Pokaż
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Cytowane przez
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ISSN
2071-8330
Język
eng
URI / DOI
http://dx.doi.org/10.14254/2071-8330.2017/10-1/20
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