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1 janvier 2020
- ISIDORE Id: 10670/1.435856...
- hal: hal-03403072
- SCIENCESPO: 2441/2qqgdhhldi83pq6n0hl9nrguki
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info:eu-repo/semantics/altIdentifier/hdl/2441/2qqgdhhldi83pq6n0hl9nrguki
info:eu-repo/semantics/OpenAccess
Mots-clés
Private credit Capital to assets ratio Non-performing loans G - Financial Economics/G.G1 - General Financial Markets/G.G1.G10 - General G - Financial Economics/G.G2 - Financial Institutions and Services/G.G2.G21 - Banks • Depository Institutions • Micro Finance Institutions • Mortgages O - Economic Development, Innovation, Technological Change, and Growth/O.O4 - Economic Growth and Aggregate Productivity/O.O4.O40 - GeneralCiter ce document
Jérôme Creel et al., « Credit, banking fragility and economic performance », HAL SHS (Sciences de l’Homme et de la Société), ID : 10670/1.435856...
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Résumé
Drawing on European Union data, this paper investigates the hypothesis that private credit and banking sector fragility may affect economic growth. We capture banking sector fragility both with the ratio of bank capital to assets and non-performing loans. We assess the effect of these three variables on the growth rate of GDP per capita, using the Solow growth model as a guiding framework. We observe that credit has no effect on economic performance in the EU when banking fragilities are high. However, the potential fragility of the banking sector measured by the non-performing loans decreases GDP per capita.
