Dear Friends and Colleagues of RG
Please provide links to the results of the study, which will answer the following question:
How strong is the correlation between the change in the economic and financial situation of enterprises and the credit policy of banks?
Have you studied the correlation between the change in the rate of economic growth of the country, economic and financial condition of business entities, income of citizens, corporate investment, investment risk, liquidity risk, debt, creditworthiness of enterprises, etc. and the changing lending policy of banks commercial enterprises that provide business loans and consumer loans to citizens?
Do you think this correlation is correct? Is the scope of this correlation correct as compared to other determinants of the changing lending policy?
What significance is assigned to this correlation in the context of the processes of improving bank credit risk management in commercial banks?
Please reply
Best wishes
Dear Dariusz Prokopowicz , if all the financial conditions of the company are good, then the macroeconomic growth of a region will live, of course this economic growth will trigger capital demand from the company to the bank, so that the bank will issue more credit / loans. If all companies have poor financial conditions and lots of debt to banks, companies can go bankrupt / collapse, because they cannot reverse loans. obviously this makes it difficult for banks to allocate (loans), these three things are closely related / linear. Economic growth, the company's financial condition, bank credit allocation. this discussion is very complex although it seems simple. regards.
Dear Milan, is this https://www.researchgate.net/deref/https%3A%2F%2Fwww.ebrd.com%2Fwhat-we-do%2Feconomics%2Fdata%2Fbanking-environment-and-performance-survey.html , the last conducted survey?
Dear I Putu - Artaya, Milan B. Vemić, Maja Stevkova Shterieva, Thank you very much for participating in this discussion and for providing inspiring and informative responses. Thank you very much for participating in this discussion and providing inspiring and informative answers to the above question: Has any of you studied the correlation between the change in the economic and financial situation of enterprises and the credit policy of banks?
I am glad that the above issue is basically fully compatible and the answer to the above question is affirmative. This discussion confirms the importance of the above-mentioned issues and the legitimacy of developing research on this subject. In view of the above, in my opinion, in recent years the importance of the issues described in this discussion has grown. I am very glad that an interesting discussion has started.
Thank you very much and best regards, Have a nice day,
Dariusz Prokopowicz
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