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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dig-okr-10986157222021-04-23T14:03:19Z Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? Clarke, George R.G. Cull, Robert Martinez Peria, Maria Soledad Sanchez, Susana M. 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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY 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. 2013-09-09T20:04:52Z 2013-09-09T20:04:52Z 2002-01 http://documents.worldbank.org/curated/en/2002/01/1687153/bank-lending-small-businesses-latin-america-bank-origin-matter http://hdl.handle.net/10986/15722 English en_US Policy Research Working Paper;No. 2760 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Policy Research Working Paper Publications & Research Latin America & Caribbean Latin America |
| institution |
Banco Mundial |
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DSpace |
| country |
Estados Unidos |
| countrycode |
US |
| component |
Bibliográfico |
| access |
En linea |
| databasecode |
dig-okr |
| tag |
biblioteca |
| region |
America del Norte |
| libraryname |
Biblioteca del Banco Mundial |
| language |
English en_US |
| topic |
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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY 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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY |
| spellingShingle |
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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY 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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY Clarke, George R.G. Cull, Robert Martinez Peria, Maria Soledad Sanchez, Susana M. Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| description |
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. |
| format |
Publications & Research :: Policy Research Working Paper |
| topic_facet |
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 FOREIGN BANKS SMALL & MEDIUM SCALE ENTERPRISES BANK SIZE ACCESS TO CREDIT EFFICIENCY |
| author |
Clarke, George R.G. Cull, Robert Martinez Peria, Maria Soledad Sanchez, Susana M. |
| author_facet |
Clarke, George R.G. Cull, Robert Martinez Peria, Maria Soledad Sanchez, Susana M. |
| author_sort |
Clarke, George R.G. |
| title |
Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| title_short |
Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| title_full |
Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| title_fullStr |
Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| title_full_unstemmed |
Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter? |
| title_sort |
bank lending to small businesses in latin america : does bank origin matter? |
| publisher |
World Bank, Washington, DC |
| publishDate |
2002-01 |
| url |
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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| _version_ |
1756573031614906368 |