Explorando la relación entre políticas crediticias y resultados de la banca española ex-post.

  1. Ibáñez Hernández, Francisco Jaime
  2. Peña Cerezo, Miguel Ángel
  3. Araujo de la Mata, Andrés
Journal:
Universidad & Empresa

ISSN: 0124-4639,  0124-4639

Year of publication: 2008

Volume: 10

Issue: 14

Pages: 11-33

Type: Article

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More publications in: Universidad & Empresa

Abstract

This paper analyzes the relationship between bank credit policies and their ex-post performance. Literature review reveals that, sometimes, credit markets can be affected by a stronger endogenous component that usually assumed. We propose that the growth speed of the bank credit portfolio in expansive cycles is related to its ex-post performance once the recession cycle begins. The analysis outcomes refl ect a strong relation between the speed in the expansion of the credit and a poorer behaviour of the benefi ts, returns and insolvencies.

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