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On the rationale of bank lending in pre-crisis Thailand
[journal article]
Abstract Evidence from credit files is provided to examine bank lending determinants of Thai commercial banks. Their lending practice follows reasonable patterns as a standard set of variables, including indirect risk variables, explains much of the variance in interest rate spread. Reflecting institutional ... view more
Evidence from credit files is provided to examine bank lending determinants of Thai commercial banks. Their lending practice follows reasonable patterns as a standard set of variables, including indirect risk variables, explains much of the variance in interest rate spread. Reflecting institutional differences with mature markets, we find higher im-portance of relationship banking and risk control via credit availability. Information about later default reveals prudent relationship lending. However, banks could have made bet-ter use of available information about borrowers' riskiness. These findings do not sup-port a general verdict of bad banking but indicate room to improve lending decisions.... view less
Document language
English
Publication Year
2007
Page/Pages
p. 1077-1089
Journal
Applied Economics, 39 (2007) 9
DOI
https://doi.org/10.1080/00036840500447815
Status
Postprint; peer reviewed
Licence
PEER Licence Agreement (applicable only to documents from PEER project)