Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter?
In recent years foreign bank
participation has increased tremendously in Latin America.
Some observers argue that foreign bank entry will benefit
Latin American banking systems by reducing the volatility of
loans and deposits and increasing efficiency. Others are
concerned that foreign banks might choose to extend credit
only to certain customers, leaving some sectors-such as
small businesses-unserved. The authors examine this issue.
Using bank-level data for Argentina, Chile, Colombia, and
Peru during the mid-1990s, they empirically investigate
whether bank origin affects the share and growth rate of
bank lending to small businesses. They find that although
foreign banks generally lent less to small businesses (as
share of total lending) than private domestic banks, the
difference is due primarily to the behavior of small foreign
banks. The difference was considerably smaller for large and
medium-sized banks. And in Chile and Colombia, large foreign
banks might actually lend slightly more (as share of total
lending) than large domestic banks.
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Bibliographic Details
| Main Authors: |
Clarke, George R.G.,
Cull, Robert,
Martinez Peria, Maria Soledad,
Sanchez, Susana M. |
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| Format: | Policy Research Working Paper
biblioteca
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| Language: | English
en_US |
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| Published: |
World Bank, Washington, DC
2002-01
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| Subjects: | BALANCE SHEETS,
BANK LENDING,
BANK LOANS,
BANK SIZE,
BANKING CRISIS,
BANKING SECTOR,
BANKING STABILITY,
BANKING SYSTEM,
BANKING SYSTEMS,
BANKS,
CAPITAL FLIGHT,
CENTRAL BANK,
CENTRAL BANKS,
COMPARATIVE ADVANTAGE,
CONSOLIDATION,
CONTAGION,
CONTRACT ENFORCEMENT,
DEBT,
DEPOSITS,
DISECONOMIES,
ECONOMIC GROWTH,
EMPIRICAL ANALYSIS,
FINANCIAL INSTITUTIONS,
FINANCIAL INTERMEDIATION,
FINANCIAL SECTOR,
FINANCIAL SYSTEMS,
FOREIGN BANKS,
FOREIGN ENTRY,
GDP,
GROWTH RATE,
GUIDELINES,
INCOME STATEMENTS,
INFLATION,
LENDING BEHAVIOR,
LENDING INSTITUTIONS,
LENDING PATTERNS,
LESS DEVELOPED COUNTRIES,
MERGERS,
NEW ENTRANTS,
PORTFOLIOS,
PRICE STABILITY,
PROPERTY RIGHTS,
REGRESSION ANALYSIS,
RELATIONSHIP LENDING,
RETURN ON ASSETS,
SMALL BANKS,
SMALL BUSINESS,
STATE BANKS,
STATE OWNERSHIP,
TIME SERIES,
VALUE ADDED,
VOLATILITY BANK LENDING OPERATIONS,
SMALL ENTERPRISES,
SMALL & MEDIUM SCALE ENTERPRISES,
ACCESS TO CREDIT,
EFFICIENCY, |
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| Online Access: | http://documents.worldbank.org/curated/en/2002/01/1687153/bank-lending-small-businesses-latin-america-bank-origin-matter
http://hdl.handle.net/10986/15722
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