0000000000827496
AUTHOR
Ferdinando Ofria
The impact of criminality on the riskiness of cooperative credit banks in Italy: a macro regional approach
In Italy, Cooperative Credit Banks (CCBs), unlike large banks, despite the economic downturn, have continued to extend credit to customers, but at the cost of a higher incidence of bad credit. This increased credit risk of local banks has been caused by management policy choices, such as preferring to modify the conditions applicable to credit supply and to engage firms in long-term credit relationships rather than initiating credit recovery procedures. The originality of this empirical analysis lies in its demonstration of the effects of environmental factors related to the spread of crime and lower economic well-being, higher unemployment and poverty in families on the credit market in So…
L'influenza del conteso socio ambientale sulla rischiosità bancaria: un’analisi regionale per l’economia italiana
In questa ricerca seguendo una metodologia econometrica originale si tenta di individuare, per gli anni 2006-2013, se la rischio- sità delle banche di credito cooperativo nelle regioni del Mezzogiorno sia l’effetto, anche, di fenomeni socio-ambientali come la presenza di “criminalità” o di disagio sociale come la maggiore incidenza della “povertà”.