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Bank Lending Procyclicality and Digital Technologies; Does the Structure of the Financial Sector Matter?

Małgorzata Pawłowska

Chapter Chapter 5 in Crises and Uncertainty in the Economy, 2022, pp 81-96 from Springer

Abstract: Abstract The aim of this paper is to investigate on the determinants of the European Union bank loan markets from the supply side in the context of macro financial linkages. However, the relation between the situation on the financial sector and the macroeconomic conditions of the economy is dynamic, bilateral and complex. In study, we focus on analyzing phenomenon of procyclicality in relation to market concentration measures, and also in relation to new digital technology. Using a sample of European Union banks for the period 2004–2019, this paper confirm the lending procyclicality regarding to households loans. Furthermore, this paper find some heterogeneities between advanced and transitioning European Union banking sectors in the context of digitalization. Although the study presented in this paper ended in 2019, the impact of COVID-19 on banks’ lending activities cannot be overlooked in the model.

Keywords: Macro financial linkages; Credit procyclicality; Concentration; Digital technologies; European Union banking sectors; COVID-19 (search for similar items in EconPapers)
Date: 2022
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DOI: 10.1007/978-981-19-3296-0_5

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