The IPO of Industrial and Commercial Bank of China and the ‘Chinese Model’ of privatizing large financial institutions

2012 ◽  
Vol 20 (7-9) ◽  
pp. 599-624 ◽  
Author(s):  
Franklin Allen ◽  
Jun ‘QJ’ Qian ◽  
Susan Chenyu Shan ◽  
Mengxin Zhao

Subject Chinese banks in Panama. Significance The world’s largest bank, the Industrial and Commercial Bank of China (ICBC), is likely to open its doors in Panama this year as part of a new era of cooperation between the countries following the Panamanian government’s decision last year to abandon its long-standing support of Taiwan and begin diplomatic relations with China. Impacts Chinese banks will be keen to tap into the financing opportunities offered by Panama’s investment projects. The Panamanian government will encourage these banks to participate in public tenders for infrastructure projects. Despite recent improvements, Panama’s banking sector will still expose incomers to considerable reputational risk.


2019 ◽  
Vol 19 (285) ◽  
Author(s):  
Marco Gross ◽  
Christoph Siebenbrunner

To support the understanding that banks’ debt issuance means money creation, while centralized nonbank financial institutions’ and decentralized bond market intermediary lending does not, the paper aims to convey two related points: First, the notion of money creation as a result of banks’ loan creation is compatible with the notion of liquid funding needs in a multi-bank system, in which liquid fund (reserve) transfers across banks happen naturally. Second, interest rate-based monetary policy has a bearing on macroeconomic dynamics precisely due to that multi-bank structure. It would lose its impact in the hypothetical case that only one (“singular”) commercial bank would exist. We link our discussion to the emergence and design of central bank digital currencies (CBDC), with a special focus on how loans would be granted in a CBDC world.


2015 ◽  
Vol 7 (11) ◽  
pp. 110 ◽  
Author(s):  
L. Shu-Teng ◽  
M. A. Zariyawati ◽  
M. Suraya-Hanim ◽  
M. N. Annuar

<p>Microfinance was introduced in Malaysia to provide financing services to the poor and Small Medium Enterprises (SME) to start up business. The borrower may use the facility to finance business activities such as to purchase assets and additional capital to expand their business. Microfinance helps SME that have limited access to get loan from financial institutions. Financial institutions specifically commercial bank refuse to provide microfinance facilities to SME due to the high default rate among the majority of borrowers who obtain loan without collateral. In addition, the percentage of non-performing loan (NPL) of microfinance in Malaysia has been increasing. Therefore, the objective of this research is to analyze the determinants of SMEs loan repayment performance in Malaysia. Results showed that there are four variables with significant relationship towards loan repayment namely educational level, business experience, amount of loan and loan tenure.</p>


2020 ◽  
Vol 144 ◽  
pp. 108-113
Author(s):  
Petr V. Aref’ev ◽  
◽  
Evelina A. Batrakova ◽  
Anna V. Nefedova ◽  
Anna V. Romanovskaya ◽  
...  

The formation and development of a particular object of the economic sphere, namely a commercial Bank, is relevant, since each change in a particular sphere has its own weight, its significance, and the competent application of this analysis affects the further development of the individual, firm, organization, state, the entire world community.


2012 ◽  
pp. 199-228
Author(s):  
Franklin Allen ◽  
Darien Huang ◽  
Jun ‘QJ’ Qian ◽  
Mengxin Zhao

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