竞争和集中度对中东欧国家银行收入平滑的影响

Albulena Shala, Peterson K. Ozili, Skender Ahmeti
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引用次数: 0

摘要

本研究考察了竞争和集中度对中东欧国家银行收入平滑的影响。设计/方法/方法采用两步系统GMM方法分析了2004年至2015年17个cee的竞争和集中度对银行收入平滑的影响。发现贷款损失准备金与银行竞争和集中度呈负相关。作者没有发现在高竞争或高度集中的环境中使用llp的收入平滑的证据。研究的局限性/启示本研究的局限性在于分析仅限于商业银行。作者在这项研究中没有考察投资银行或小额信贷银行。此外,由于无法访问数据库,他们无法将最近几年的数据纳入研究。实际影响中东欧商业银行在面临激烈竞争时可能会减少拨备或拨备不足,这可能会使它们面临信贷风险,从而威胁到它们的稳定性。本研究首次探讨集中度和竞争对中东欧银行收入平滑的影响。
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Impact of competition and concentration on bank income smoothing in Central and Eastern European countries
Purpose This study examines the impact of competition and concentration on bank income smoothing in Central and Eastern European (CEE) countries. Design/methodology/approach The two-step system GMM method was used to analyse the impact of competition and concentration on bank income smoothing in 17 CEEs from 2004 to 2015. Findings Loan loss provisions (LLPs) are negatively related to bank competition and concentration. The authors find no evidence for income smoothing using LLPs in a high-competition or high-concentration environment. Research limitations/implications A limitation of the study is that the analysis was restricted to commercial banks. The authors did not examine investment banks or microfinance banks in this study. Also, not having access to databases does not allow them to include recent years in the study. Practical implications CEE commercial banks will likely keep fewer provisions or engage in under-provisioning when they face intense competition, and this can expose them to credit risk, which may threaten their stability. Originality/value This study is the first to investigate the effect of concentration and competition on income smoothing among CEE banks.
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来源期刊
Journal of Economics, Finance and Administrative Science
Journal of Economics, Finance and Administrative Science Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)
CiteScore
5.10
自引率
20.80%
发文量
23
审稿时长
12 weeks
期刊介绍: The Universidad ESAN, with more than 50 years of experience in the higher education field and post graduate studies, desires to contribute to the academic community with the most outstanding pieces of research. We gratefully welcome suggestions and contributions from business areas such as operations, supply chain, economics, finance and administration. We publish twice a year, six articles for each issue.
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