Loan Conditions and Bank Risk Exposure

DOI

10.2991/febm-19.2019.23How to use a DOI?

Keywords

loan conditions; risk exposure; credit funds; bank-specific characteristics

Abstract

This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 2007-2018, and empirically explores the impact of enterprises on bank borrowing. We find that the bank's credit funds are associated with bank-specific characteristics such as size, a growth rate of the asset, growth rate of income, net profit, the current ratio, and EPS. Empirical results provide positive significant evidence from the size and current ratio, indicating the impact on the loan banking market. Finally, the variables considered in our paper can be used as a reasonable criterion for valuing the credit conditions of the loan market.

Copyright

© 2019, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Download article (PDF)

TY  - CONF
AU  - Yi-Chang Chen
AU  - Zixian Xu
AU  - Jie Deng
AU  - Bin Xu
PY  - 2019/12
DA  - 2019/12
TI  - Loan Conditions and Bank Risk Exposure
BT  - Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)
PB  - Atlantis Press
SP  - 60
EP  - 62
SN  - 2352-5428
UR  - https://doi.org/10.2991/febm-19.2019.23
DO  - 10.2991/febm-19.2019.23
ID  - Chen2019/12
ER  -