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Bank-Specific, Macroeconomic or Structural Variables: Which Explains Bank Enterprise Lending? The Evidence from Transition Countries

In: Bank Funding, Financial Instruments and Decision-Making in the Banking Industry

Author

Listed:
  • Ewa Miklaszewska

    (Cracow University of Economics)

  • Krzysztof Kil

    (Cracow University of Economics)

Abstract

The aim of this paper is to analyze trends in lending policies, in particular the corporate loan share of eleven countries in Central and Eastern Europe (CEE), in an attempt to determine the main factors influencing the ability of their banking systems to efficiently provide credit services to the economy. Panel data analysis makes it possible to formulate a policy conclusion that in order to influence the structure of a loan portfolio and stimulate corporate loans, an efficient and high-performance banking market, epitomized by a high Multi-Level Performance Score, is not sufficient. Of greater importance are a favorable macroeconomic environment, an increasing scale, and the universal profile of banks. However, the last two entail considerable risk.

Suggested Citation

  • Ewa Miklaszewska & Krzysztof Kil, 2016. "Bank-Specific, Macroeconomic or Structural Variables: Which Explains Bank Enterprise Lending? The Evidence from Transition Countries," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Santiago Carbó Valverde & Pedro Jesús Cuadros Solas & Francisco Rodríguez Fernández (ed.), Bank Funding, Financial Instruments and Decision-Making in the Banking Industry, chapter 4, pages 63-94, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-319-30701-5_4
    DOI: 10.1007/978-3-319-30701-5_4
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