• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>Pacific-Basin Finance Journal >Does sectoral diversification of loans and financing improve bank returns and risk in dual-banking systems?
【24h】

Does sectoral diversification of loans and financing improve bank returns and risk in dual-banking systems?

机译：贷款和融资的部门多样化是否改善了双层银行系统的银行回报和风险？

获取原文
获取原文并翻译 | 示例
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

This paper investigates the effects of sectoral diversification of loans and financing on the risk and the returns of banks in dual-banking systems. We employ the system GMM estimator on a unique panel data of 46 Islamic and 60 conventional banks from six countries over the period 2000-2015. Our findings reveal that sectoral diversification of loans and financing reduces the returns and increases the risk of both Islamic and conventional banks; the impact of sectoral diversification on returns varies across risk levels, with negative effects at low-and no effect at moderate-and high-risk levels; the difference between the impacts on Islamic and conventional banks across risk levels are marginal, and the adverse effects of sectoral diversification were exacerbated during the 2008 financial crisis. Expansion of loan and financing portfolios into new sectors has no impact on bank returns and risk in our sample. The findings may provide valuable implications for all stakeholders, regulators, and policymakers.
机译：本文调查了贷款部门多样化的影响，融资对双层银行系统的银行的风险和回报。我们在2000 - 2015年期间的六个国家雇用了46个伊斯兰教和60个常规银行的独特面板数据的系统GMM估计。我们的调查结果表明，贷款和融资部门多样化降低了回报，并提高了伊斯兰和传统银行的风险;部门多元化对返回的影响越差，风险水平因风险水平而异，在中等和高风险水平下具有低且无效的负面影响;对伊斯兰和常规银行跨越风险水平的影响之间的差异是边缘的，并且在2008年金融危机中发生了部门多元化的不利影响。扩展贷款和融资投资组合进入新部门对我们的样本中的银行回报和风险没有影响。调查结果可能为所有利益相关者，监管机构和政策制定者提供有价值的影响。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号