Banks' Funding Stress, Lending Supply, and Consumption Expenditure
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DOI: 10.1111/jmcb.12673
Abstract: We employ a unique identification strategy linking survey data on household consumption expenditure to bank-level data to estimate the effects of bank funding stress on consumer credit and consumption expenditures. We show that households whose… read more here.
Keywords: funding stress; supply; consumption; consumption expenditure ... See more keywords
Diversification and banks’ funding costs in Africa: The role of financial regulations
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DOI: 10.4102/sajems.v28i1.5809
Abstract: Background: The banking literature suggests that banks can reduce their funding costs by optimising their deposit mix to prioritise low-cost accounts, managing capital efficiently, and employing diversification strategies to attract more cost-effective funding sources. While the… read more here.
Keywords: financial regulations; diversification; banks funding; costs africa ... See more keywords