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Долгосрочное банковское кредитование: какие банки им занимаются и почему?

Vernikov, Andrei and Mamonov, Mikhail (2017): Долгосрочное банковское кредитование: какие банки им занимаются и почему? Published in: EKO No. 9 (1 September 2016): pp. 135-150.

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Abstract

We study the determinants of longer-term bank lending to the real economy in Russia. Our empirical results confirm the «development view» of state-controlled banks who display the highest propensity to lend long-term. We control for such variables as cost of funding and the market power in the corporate loan market. The share of long-term loans in bank assets would benefit from a lower average cost of funds and a diversification of funding sources, as well as larger average size of banks, higher capital adequacy and a less risky lending policy.

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