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Il recupero dei crediti: costi, tempi e comportamenti delle banche

Author

Listed:
  • Andrea Generale

    (Banca d'Italia)

  • Giorgio Gobbi

    (Banca d'Italia)

Abstract

Il lavoro presenta i risultati di un'indagine sulle modalità di recupero dei crediti delle banche. La documentazione dei costi e dei tempi della risoluzione del contenzioso si accompagna a una prima analisi degli effetti sui comportamenti degli intermediari. Nel caso delle procedure giudiziarie, i tempi di recupero risultano assai elevati a fronte di quantità recuperate piuttosto limitate anche quando il credito sia assistito da garanzie. Emerge, inoltre, un'ampia variabilità territoriale nella durata di tali procedure, che conferma lo svantaggio comparato delle regioni meridionali.

Suggested Citation

  • Andrea Generale & Giorgio Gobbi, 1996. "Il recupero dei crediti: costi, tempi e comportamenti delle banche," Temi di discussione (Economic working papers) 265, Bank of Italy, Economic Research and International Relations Area.
    • Handle: RePEc:bdi:wptemi:td_265_96
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    Cited by:

    1. Stefanelli, Valeria & Matteo, Cotugno, 2010. "An Empirical Analysis on Board Monitoring Role and Loan Portfolio Quality Measurement in Banks," MPRA Paper 29766, University Library of Munich, Germany.
    2. Salvatore Zecchini & Marco Ventura, 2009. "The impact of public guarantees on credit to SMEs," Small Business Economics, Springer, vol. 32(2), pages 191-206, February.
    3. Luigi Guiso & Tullio Jappelli, 2000. "Household Portfolios in Italy," CSEF Working Papers 43, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    4. Ferri, Giovanni & Messori, Marcello, 2000. "Bank-firm relationships and allocative efficiency in Northeastern and Central Italy and in the South," Journal of Banking & Finance, Elsevier, vol. 24(6), pages 1067-1095, June.
    5. Luca Casolaro & Leonardo Gambacorta & Luigi Guiso, 2005. "Regulation, formal and informal enforcement and the development of the household loan market. Lessons from Italy," Temi di discussione (Economic working papers) 560, Bank of Italy, Economic Research and International Relations Area.
    6. Luigi Guiso & Monica Paiella, 2008. "Risk Aversion, Wealth, and Background Risk," Journal of the European Economic Association, MIT Press, vol. 6(6), pages 1109-1150, December.
    7. Guiso, Luigi & Jappelli, Tullio, 2002. "Private Transfers, Borrowing Constraints and the Timing of Homeownership," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 34(2), pages 315-339, May.
    8. Guiso, Luigi & Pagel, Michaela, 2004. "The Role of Risk Aversion in Predicting Individual Behaviours," CEPR Discussion Papers 4591, C.E.P.R. Discussion Papers.
    9. Jappelli, Tullio & Pagano, Marco & Bianco, Magda, 2005. "Courts and Banks: Effects of Judicial Enforcement on Credit Markets," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 37(2), pages 223-244, April.
    10. Domenico Sarno, 2008. "Financial And Legal Constraints To Firm Growth: The Case Of Italy," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 3(3(5)_Fall), pages 293-305.
    11. Boschi, Melisso & Girardi, Alessandro & Ventura, Marco, 2014. "Partial credit guarantees and SMEs financing," Journal of Financial Stability, Elsevier, vol. 15(C), pages 182-194.
    12. Sironi, Andrea & Zazzara, Cristiano, 2003. "The Basel Committee proposals for a new capital accord: implications for Italian banks," Review of Financial Economics, Elsevier, vol. 12(1), pages 99-126.
    13. Angelo Baglioni & Luca Colombo & Paola Rossi, 2018. "Debt restructuring with multiple bank relationships," Temi di discussione (Economic working papers) 1191, Bank of Italy, Economic Research and International Relations Area.
    14. Daniela Marchesi, 2007. "The Rule Incentives that Rule Civil Justice," ISAE Working Papers 85, ISTAT - Italian National Institute of Statistics - (Rome, ITALY).

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