“Herd Behavior” in the Commercial Bank Credit Market

2016 ◽  
pp. 33-45
Author(s):  
Dexu He
Keyword(s):  
Commercial Bank ◽  
Credit Market ◽  
Bank Credit ◽  
Herd Behavior

scholarly journals Measurement and Analysis of the Competitiveness of China Commercial Bank’s Loan Market

2020 ◽  
Vol 2020 ◽  
pp. 1-10
Author(s):  
Tianming Cai
Keyword(s):  
Commercial Bank ◽  
Credit Market ◽  
Bank Credit ◽  
Financial Risks ◽  
Upward Trend ◽  
Slowing Down ◽  
Lerner Index ◽  
Measurement And Analysis ◽  
Economic Work ◽  
China’S Economy

China’s economy presents a new normal of speed changes, structural optimization, and power conversion. Deepening supply-side reforms and controlling financial risks are two prominent themes of current economic work. With the economic growth slowing down and the financing environment tightening, the credit risk of the banking industry is being exposed more quickly. This article uses a structured method and an unstructured method to measure the competitiveness of China commercial bank credit market. The structured method uses the HHI (Herfindahl–Hirschman Index), and the unstructured method uses the Lerner Index. This article compares the sample banks’ 2008–2015 industry loan total HHI and Lerner Index. The results of HHI and Lerner Index are basically the same, which indicate that the competitiveness of the China commercial bank credit market is generally at a low level. However, the Lerner Index has a clear upward trend after 2014, which indicates the possibility of increased competition in the credit market.

scholarly journals ANALISIS LIQUIDITY CREATION PADA PERBANKAN DI INDONESIA TAHUN 2007-2013 (STUDI KASUS PADA 10 BANK BESAR DI INDONESIA TAHUN 2013)

2016 ◽  
Vol 12 (1) ◽  
pp. 76
Author(s):  
Muhammad Mirajudin ◽  
Prasetiono Prasetiono
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Bank Credit ◽  
Bank Capital ◽  
Banking Supervision ◽  
Earnings Volatility ◽  
Negative Effect ◽  
Income Instability

Problems related to banking in Indonesia today is the problem of liquidity. It is shownfrom a commercial bank credit grew 23.03% but not matched by growth in depositswhich only reached 16.56% in 2012 (Report of Banking Supervision, 2012). Therefore,this study aims to determine the liquidity creation in Indonesia as well as to analyze theinfluence of bank capital, credit risk and income instability towards liquidity creation.The samples includes 10 major banks in Indonesia with total assets of more thanRp120billion in 2013. The reason for choosing this sample because of the 10 largestbanks reflects the state of the banks in Indonesia which accounted for 65.2% of totalassets, 65.6% of total loans, and 66% of total deposits or deposits in the banking industry(PEFINDO, 2014). The results of this research note that the bank's capital and earningsvolatility is significant negative effect on liquidity creation. While the credit risk of anegative but insignificant effect on liquidity creation. In the determination coefficient testshowed that 43.6% dependent variable is the liquidity creation can be explained by theindependent variable is the capital of banks, credit risk and earnings volatility. While56.4% is explained by other variables outside the model of this study.Keywords: liquidity creation, capital of banks, credit risk, third-party funds, banks inIndonesia.

Social Class and Commercial Bank Credit Card Usage

1969 ◽  
Vol 33 (1) ◽  
pp. 71-78 ◽  
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Market Segmentation ◽  
Credit Card ◽  
Bank Credit ◽  
Behavior Patterns ◽  
Purchasing Behavior ◽  
Use Patterns ◽  
Credit Card Usage

Relationships between an individual's social class and his purchasing behavior in using a commercial bank credit card are described in this article. Important card-use patterns with market segmentation implications were found. Membership in a social class influences patterns of credit card usage. Convenience and installment use of cards tend to vary by social class in a manner consistent with previous studies of social class behavior patterns.

A Rejoinder to “Social Class or Income?”

1972 ◽  
Vol 36 (1) ◽  
pp. 69-70
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Credit Card ◽  
Consumer Credit ◽  
Bank Credit ◽  
Credit Card Usage

The authors offer a rejoinder to Professor Curtis's comment on their articles, “Social Class and Commercial Bank Credit Card Usage,” and “Social Class and Income as Indicators of Consumer Credit Behavior.”

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