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Keywords:Bank loans 

Working Paper
Bank commercial loan fair value practices

Recent accounting changes, for the first time, permit the use of fair value in the primary financial statements for held-to-maturity (HTM) bank loans. While the use of fair value has historically attracted significant discussion and debate, there is little information in the public domain on how banks would measure fair value or use it in loan management. This study presents and analyzes results from in-depth discussions with seven large internationally-active banks on their fair value use and measurement for HTM commercial loans and commitments. The objectives of the discussions and those of ...
Finance and Economics Discussion Series , Paper 2007-29

Conference Paper
Designing the optimal loan review policy

Proceedings , Paper 175

Conference Paper
The changing financial world, low-income people and asset building

Proceedings , Paper 666

Working Paper
Currency speculation and the optimum control of bank lending in Singapore dollar: a case of partial liberalization

The Monetary Authority of Singapore (MAS) has a long-standing policy of controlling bank lending in Singapore dollars to nonresidents and to residents who use the funds outside Singapore. While the control may prevent the internationalization of the Singapore dollar and contain exchange rate volatility, it can hinder the deepening and widening of the financial markets in Singapore. ; This paper suggests three policy options that would allow traders and investors to borrow Singapore dollars without any restrictions, while making it costly for speculators since their activities can cause ...
Pacific Basin Working Paper Series , Paper 96-06

Working Paper
Empirical analysis of corporate credit lines

Since bank credit lines are a major source of corporate funding and liquidity, we examine the determinants of credit line usage with a database of Spanish corporate credit lines. A line's default status is the primary factor driving its usage, which increases as a firm approaches default. Several lender characteristics suggest an important role for bank monitoring in firms' usage decisions. Credit line usage is found to be inversely related to macroeconomic conditions. Overall, while several factors influence corporate credit line usage, our analysis suggests that default and supply-side ...
Working Paper Series , Paper 2007-14

Journal Article
Treasury financing

Federal Reserve Bulletin , Issue Jan , Pages 1-9

Working Paper
The role of bank capital in bank loan growth: market and accounting measures

Financial Industry Studies Working Paper , Paper 92-3

Journal Article
Bank lending and monetary policy: evidence on a credit channel

While there is widespread agreement that banks play a key part in the transmission of monetary policy actions to the economy, debate continues on whether bank lending plays a special part in the monetary transmission mechanism. If a special lending or credit channel exists, changes in the willingness and ability of banks to extend credit may have implications for the economy. Moreover, ongoing changes in the role of banks in financial markets may affect the credit channel and so alter the monetary transmission mechanism.> Recent research on a bank credit channel has focused on two questions. ...
Economic Review , Volume 80 , Issue Q II , Pages 59-75

Working Paper
Problem loans and cost efficiency in commercial banks

This paper addresses a little-examined intersection between the problem-loan literature and the bank-efficiency literature. We employ Granger causality techniques to test four hypotheses regarding the relationships among loan quality, cost efficiency, and bank capital. The data suggest that problem loans precede reductions in measured cost efficiency; that measured cost efficiency precedes reductions in problem loans; and that reductions in capital at thinly capitalized banks precede increases in problem loans. Hence, cost efficiency may be an important indicator of future problem loans and ...
Finance and Economics Discussion Series , Paper 1997-8

Working Paper
The bank lending channel of monetary policy transmission: evidence from a model of bank behavior that incorporates long-term customer relationships.

I test for the existence of a bank lending channel of monetary policy transmission. I identify bank lending channel effects with a simple model of bank behavior incorporating long-term customer relationships. The model suggests that when a large fraction of bank assets is held in loans, contractionary monetary policy shocks are more likely to cause a cutback in bank lending, in turn reducing real economic activity. This implication of the model is supported in the data. I conduct a "horse race" between the bank lending channel and two alternative non-user-cost-of-capital channels of ...
International Finance Discussion Papers , Paper 584

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