Эксоцман
на главную поиск contacts

Austrian Banks’ Lending and Loan Pricing Strategies against the Background of Basel II

Опубликовано на портале: 17-12-2007
Financial Stability Report. 2006.  No. 12. P. 92-103. 
Although the New Basel Capital Accord (Basel II) makes no direct reference to loan pricing and lending terms, it is widely held that Basel II does, in fact, impact on loan pricing. A survey among Austrian banks on loan pricing strategies after Basel II aimed to identify the potential effects of Basel II on loan pricing. This article summarizes and analyzes the results of this survey and their implications for the Austrian lending business. The survey found a significant trend toward risk-adequate pricing. While it is impossible to predict at this point whether banks will eventually successfully implement this strategy, given the competitive environment, it seems that they are in fact resolved to do. Banks’loan pricing and portfolio streamlining plans concern mostly lending to small and mediumsized enterprises (SMEs), which in credit institutions’ view offers the largest room for maneuver to adjust lending volumes and prices.

Ссылки
http://ideas.repec.org/a/onb/oenbfs/y2006i12b3.html
BiBTeX
RIS
Ключевые слова

См. также:
Alan J. Auerbach, Laurence J. Kotlikoff
[Книга]
Johannes Jaeger, Vanessa Redak
Financial Stability Report. 2006.  No. 12. P. 92-103. 
[Статья]
Nicolae Danila
Theoretical and Applied Economics. 2007.  Vol. 6. No. 6. P. 73-92. 
[Статья]
Klaus J. Hopt, Patrick C. Leyens
ECGI - Law Working Paper. 2004.  No. 18.
[Статья]
Thomas Reininger, Zoltan Walko
Financial Stability Report. 2005.  No. 9. P. 110-126. 
[Статья]
З.Я. Файзуллаев
Вопросы экономики и права. 2011.  № 2. С. 215-218. 
[Статья]
Andrei Tinca
Theoretical and Applied Economics. 2007.  Vol. 5. No. 5. P. 31-34. 
[Статья]