지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 학술대회자료
- 저자정보
- 발행연도
- 2011.5
- 수록면
- 99 - 120 (22page)
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초록· 키워드
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This paper investigates the pro-cyclicality of bank loans to SMEs (Small and Medium Enterprises) and to LEs (Large Enterprises), and the relationship between banks’ characteristics and lending behavior using aggregated data from major private, foreign, and state-owned banks in Korea over the period from 1999 to 2008. Empirical tests are verified by applying the Rolling Vector Error Correction Model (VECM). Findings include the robust support for the pro-cyclicality of bank loan to SMEs, but not for LEs. The paper also find out evidence to support a related hypotheses : the profit-oriented motivation of commercial banks in enhancing relationships with SMEs, the characteristics of governance structure in three type banks (private, state-owned, and foreign owned banks), and the large-bank barriers assumption. Therefore, as compared to those made to LEs, bank loans to SMEs are more vulnerable to external economic shocks over the long-term. Meanwhile, smaller domestically owned & private banks continue to enhance their SMEs financing business for short-term lucrative gain.
목차
1. Introduction
2. Related Literature
3. Hypotheses and the variables that affect bank loan
4. Data and Sample statistics
5. Empirical test results
6. Conclusion
References
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UCI(KEPA) : I410-ECN-0101-2016-323-001231260