Search results for "Local banks"

Local banks and credit: from crisis to the new regulatory proposals for the development of lending policies in favour of the real economy

2014

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…

Microcredit as a tool for combating financial exclusion in Italy: the differences on a regional and local level

2016

This paper proposes a mapping of microcredit (social and productive) in the period from 2005 to 2013 in three main Italian regions. Later we offer a description of the micro-credit initiatives promoted by cooperative credit banks trying to take advantage of any differences in the initiatives promoted by other types of operators in terms of default rates of loans. The differences will be commented on the basis of the distinctive features of this category of these relationship banks in order to identify a possible way of development of microcredit in Italy

Technological Districts and the Financing of Innovation: Opportunities and Challenges for Local Banks

2016

The paper deals with the role that local banks (especially credit cooperative banks) might play in financially supporting the development of technological districts and innovative firms. After introducing the concept and features of technological districts, it focuses on the relations between districts and local banks and between the adoption of innovation and local banking. The central part is an econometric exercise aimed at measuring the weight of high value financial services over the income of a sample of Italian credit cooperative banks. Taking into account the cultural, managerial and organizational requirements of local banks, the work provides insights into how this category of ban…

The impact of criminality on the riskiness of cooperative credit banks in Italy: a macro regional approach

2017

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…

Cooperative banks and reactions to the crisis: organizational models, governance, strategies

The impact of criminality on the riskiness of cooperative credit banks in Italy: a macroregional approach

2016

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…

A comparative statistical analysis between the italian local banks, the effects of the financial crisis on funding and credit policies

2014

This work intends to carry out a comparative statistics between Italian banks (both co-operative banks that banks) about their economic and corporate profiles in the period immediately before (2006-2007) and in the immediate aftermath (2008- 2011) to the international financial crisis. In this way, we will try to investigate whether the global economic shock caused any differences between these banks in their funding policies, credit policies.