Banking Sector Fundamentals: Learning from the Recent Bank Lending Contraction

Mathinee Subhaswasdikul and Don Nakornthab
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Mathinee Subhaswasdikul: Bank of Thailand
Don Nakornthab: Bank of Thailand

No 2003-11, Working Papers from Monetary Policy Group, Bank of Thailand

Abstract: The paper investigates the recent contraction of bank lending in Thailand and its implication for the economy. Analyses are conducted at both aggregate and disaggregate levels. At the aggregate level, a disequilibrium econometric estimation is employed to assess the relative extent in which supply and demand factors have contributed to the credit slowdown. At the disaggregate level, the paper uses individual bank data to analyze relationship between measures of bank condition and bank lending behavior. The paper finds that availability of loanable funds and NPL overhang, both of which played a prominent role during the early stage of the contraction period, no longer appear to be major constraining factors of loan growth.

Keywords: banks; credit crunch; financial crisis; Thailand (search for similar items in EconPapers)
Pages: 50 pages
Date: 2003-01
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Citations: View citations in EconPapers (3)

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