Munich Personal RePEc Archive

Consumer Loans in Cambodia: Implications on Banking Stability

Meng, Channarith (2014): Consumer Loans in Cambodia: Implications on Banking Stability.

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Abstract

This paper analyzes the fast development of consumer loans including housing loans in Cambodia to check whether or not such a development posts any stability risk to banking system in Cambodia. Using stress-testing method, the paper finds that current level of consumer loans provided by banks does yet creates a big threat to the banking stability in Cambodia. Rather, the surge reflects consequences of positive development in the banking system and economy as a whole, including the rise of middle-income class, changing family structure, stronger competition among banks, and more widespread financial literacy.

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