دانلود مقاله ISI انگلیسی شماره 43981
عنوان فارسی مقاله

کدام بانک ها مخاطره آمیز تر هستند؟ تاثیر مدل های کسب و کار بر ثبات بانکی

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
43981 2015 18 صفحه PDF سفارش دهید 15220 کلمه
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Which banks are more risky? The impact of business models on bank stability
منبع

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

Journal : Journal of Financial Stability, Volume 16, February 2015, Pages 195–212

کلمات کلیدی
بانک ها - ریسک پذیری - مدل تجاری - درآمد بدون بهره - تأمین مالی غیرسپرده
پیش نمایش مقاله
پیش نمایش مقاله کدام بانک ها مخاطره آمیز تر هستند؟ تاثیر مدل های کسب و کار بر ثبات بانکی

چکیده انگلیسی

In this paper, we analyze the impact of business models on bank stability in 15 EU countries between 2002 and 2011. We represent banks’ business models by the share of non-interest income in total operating income and the share of non-deposit funding in total liabilities. In contrast to the literature, we include in our sample a large number of unlisted banks, which represent the majority of banks in the EU. We believe this to be important, since many unlisted banks typically have a more retail-oriented business model. We show that banks will be significantly more stable and profitable if they increase their share of non-interest income, indicating that substantial benefits are to be gained from income diversification. Such benefits are particularly large for savings and cooperative banks. Investment banks, in contrast, become significantly more risky. Diversifying into non-deposit funding has a different impact as well. While retail-oriented banks will be significantly less stable if they increase their share of non-deposit funding, investment banks will be significantly more stable. These findings indicate that it is important to enlarge the sample of banks and to include different types of banks with different business models in order to arrive at general conclusions about the effect of non-interest income and non-deposit funding on bank stability.

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