Evoluzione del sistema bancario e finanziamento dell' economia nel Mezzogiorno

Fabio Panetta ()
Additional contact information
Fabio Panetta: Banca d' Italia, Servizio Studi, Roma

Moneta e Credito, 2003, vol. 56, issue 222, 127-160

Abstract: In the 1990s the banks established in the Italian South have reduced their cost-income ratios and improved their ability to screen customers, increasing profitability. The spread between the loan rates in the South and North has narrowed substantially. Taking into account differences in the size and industry composition of firms in the two areas, the spread is currently equal to 0.90 percent. The growth of loans in the North has outpaced that in the South, but this divergence is merely a reflection of the greater proportion of new bad loans in relation to total lending in the South. Since the mid-1990s in the South the ratio of loans to local firms to funds raised locally has increased from 75 to 85%. The lower value of the ratio in the South reflects structural features of the Southern economy and the way in which loans are allocated geographically in financial statistics.

Keywords: Bank; Banking; Financing; Firm; Firms (search for similar items in EconPapers)
JEL-codes: G21 G32 L25 R11 R12 (search for similar items in EconPapers)
Date: 2003
References: Add references at CitEc
Citations: View citations in EconPapers (12)

Downloads: (external link)
http://ojs.uniroma1.it/index.php/monetaecredito/article/view/9807/9692 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:psl:moneta:2003:21

Ordering information: This journal article can be ordered from
http://www.monetaecredito.info

Access Statistics for this article

Moneta e Credito is currently edited by Alessandro Roncaglia and Carlo D'Ippoliti

More articles in Moneta e Credito from Economia civile
Bibliographic data for series maintained by Carlo D'Ippoliti ().