文章基本信息

标题：Explorando la relación entre políticas crediticias y resultados de la banca española ex-post.
本地全文：下载
作者：Francisco Jaime Ibáñez Hernández ; Miguel Ángel Peña Cerezo ; Andrés Araujo de la Mata 等
期刊名称：Universidad y Sociedad
电子版ISSN：2218-3620
出版年度：2008
卷号：10
期号：14
页码：11-33
语种：Spanish
出版社：Universidad de Cienfuegos
摘要：This paper analyzes the relationship between bank credit policies and their ex-post performance. Literature review reveals that, sometimes, credit markets can be affected by a stronger endogenous component that usually assumed. We propose that the growth speed of the bank credit portfolio in expansive cycles is related to its ex-post performance once the recession cycle begins. The analysis outcomes refl ect a strong relation between the speed in the expansion of the credit and a poorer behaviour of the benefi ts, returns and insolvencies.
关键词：Credit risk, credit policies, banking profi tability, procyclicality;riesgo de crédito, políticas crediticias, rentabilidad de la banca, prociclicidad.