دانلود مقاله ISI انگلیسی شماره 80079
ترجمه فارسی عنوان مقاله

تاثیر عوامل سیاسی بر بانک های تجاری در کشورهای اروپای مرکزی

عنوان انگلیسی
The influence of political factors on commercial banks in Central European countries
کد مقاله سال انتشار تعداد صفحات مقاله انگلیسی
80079 2013 19 صفحه PDF
منبع

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

Journal : Journal of Financial Stability, Volume 9, Issue 4, December 2013, Pages 759–777

ترجمه کلمات کلیدی
بانکداری؛ سیاست؛ عملکرد بانک ها؛ کشورها پس از گذار
کلمات کلیدی انگلیسی
G21; G28Banking; Politics; Banks performance; Post-transition countries
پیش نمایش مقاله
پیش نمایش مقاله  تاثیر عوامل سیاسی بر بانک های تجاری در کشورهای اروپای مرکزی

چکیده انگلیسی

This study examines the impact of political factors on the behaviour and performance of commercial banks in 11 Central European countries from 1995 to 2008. Using a unique dataset of commercial banks and political factors, we find that state-owned banks report significantly smaller net interest income ratios during the years of parliamentary elections. The proxy cumulative amount of net interest income lost by state-owned banks during the election years equals, on average, 0.38% of each country's GDP. The decrease in the profitability of state-owned banks is caused primarily by the lower interest rates charged on loans. In contrast, we document that the lending growth of state-owned banks is not affected by the political cycle. Hence, to a certain extent, this study supports the view that state-owned banks constitute a tool that serves political goals in Central European countries.