THE MAIN FACTORS AFFECTING THE ALLOCATION OF RETAIL LOANS
Keywords:
Retail loans, Credit distribution, Credit risk, Economic factors, Regulatory environment, Borrower characteristics, Institutional factorsAbstract
Retail lending, the backbone of modern banking, plays a critical role in economic growth and financial inclusion. This article takes a comprehensive look at the key factors affecting the distribution of retail loans. Drawing on existing literature, empirical studies, and theoretical frameworks, we examine the multifaceted determinants that shape lending decisions by financial institutions. By illuminating these factors, this review contributes to a deeper understanding of the dynamics of retail credit distribution and provides insights for policymakers, regulators and practitioners seeking to improve access to credit and reduce risks in retail lending markets.
References
Berger, A. N., & Udell, G. F. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(11), 2945-2966.
Claessens, S., & Van Horen, N. (2014). The impact of the global financial crisis on banking globalization. IMF Economic Review, 62(4), 683-701.
Diamond, D. W., & Rajan, R. G. (2001). Liquidity risk, liquidity creation and financial fragility: a theory of banking. Journal of Political Economy, 109(2), 287-327.
Jiménez, G., Ongena, S., Peydró, J. L., & Saurina, J. (2012). Credit supply and monetary policy: Identifying the bank balance-sheet channel with loan applications. American Economic Review, 102(5), 2301-2326.
Mishkin, F. S. (2007). The economics of money, banking, and financial markets. Pearson Education.
Rajan, R. G. (2006). Has finance made the world riskier?. European Financial Management, 12(4), 499-533.
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Ibodov Alisher
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
All Rights Reserved.
