دانلود مقاله ISI انگلیسی شماره 41939
عنوان فارسی مقاله

عوامل تعیین کننده اعتبار بانکی در پاکستان: یک رویکرد طرف عرضه

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
41939 2013 7 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Determinants of bank credit in Pakistan: A supply side approach
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Economic Modelling, Volume 35, September 2013, Pages 384–390

کلمات کلیدی
اعتبار بانکی - اصلاحات - پاکستان
پیش نمایش مقاله
پیش نمایش مقاله عوامل تعیین کننده اعتبار بانکی در پاکستان: یک رویکرد طرف عرضه

چکیده انگلیسی

This study empirically identifies the factors which explain the bank credit to the businesses in varying financial environments and emerging global challenges. With the major focus on supply side this study uses the ARDL econometric approach using annual data from the period 1971 to 2010 for Pakistan. The empirical results indicate that the foreign liabilities, domestic deposits, economic growth, exchange rate, and the monetary conditions are significantly associated with bank credit to the private sector in Pakistan, particularly in the long run. Whereas the inflation and money market rate does not affect the private credit. Moreover, in the short run the domestic deposit does not influence private credit. The results also infer that the financial health and liquidity of the banks play a significant and vital role in the determination of loan. Results also indicate that the long run relationship is stable and any disequilibrium formed in the short run will be temporary and get corrected over a period of time with a high speed of 53.5% per year. This study does not statistically distinguish the behavior of bank credit during non-financial (1971–1989) and financial reform periods (after 1990) in Pakistan.

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