국내은행의 저원가성 예금 수신이 여신취급 행태에 미치는 영향
경영학연구 | 한국경영학회 | 36 pages| 2023.11.28| 파일형태 :
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자료요약
The prolonged period of low interest rates has been translating into compressed net interest margins for banks. In order to protect their margins, banks are making efforts to expand a low cost funding base, which includes raising more demand deposits. However, demand deposit financing gives rise to unanticipated withdrawal risk which makes banks more fragile (Diamond and Rajan, 2001). Banks may diminish this fragility by taking less risk on the asset side (Song and Thakor, 2007). This study examines whether demand deposit financing affects banks" lending behavior. The empirical results show that newly issued demand deposits do not influence bank loan supply until the next quarter, making them a less effective funding source for making loans than saving deposits. The study finds that funds financed by demand deposits have a higher likelihood of withdrawal and banks hold a more balance of liquid assets to accommodate demand depositors’ liquidity needs. It makes sense that with increased demand deposit financing, banks take a more prudent “wait and see” approach and are more reluctant to finance new loans immediately. The study provides empirical evidence for an explicit link between banks’ deposit structure and their lending behavior and the results have significant implications for banks" financing strategies.
목차
Ⅰ. 서론
Ⅱ. 선행연구와 연구가설
Ⅲ. 연구방법론
Ⅳ. 실증분석
Ⅴ. 결론
참고문헌
#bank#demand deposit#lending#liquidity#net interest margin
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