0000000001248394
AUTHOR
Ofria Ferdinando
Local banks and credit: from crisis to the new regulatory proposals for the development of lending policies in favour of the real economy
Comparing the credit cooperative banks (CCBs) and banking groups operating in Italy, descriptive analyses show that the 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 the preference to modify the conditions applicable to credit supply and to engage firms in long-term credit relationships rather than initiate credit recovery procedures. An empirical analysis shows that this risk has also been caused by a higher incidence of environmental factors such as the spread of situations of crime and…
The impact of criminality on the riskiness of cooperative credit banks in Italy: a macroregional approach
In Italy, Credit Cooperative 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 is due to the demonstration of the effects of environmental factors related to the spread of crime and lower economic well-being, higher unemployment rate and poverty of families on the credit marke…
Criminalità e rischiosità dei crediti: un’analisi per le banche di credito Cooperativo
Il paper si sofferma sulle relazioni che esistono fra la criminalità e la qualità dell’offerta di credito da parte delle banche locali con particolare riferimento al credito cooperativo