Could Digital Financial Inclusion Simply Decrease Non-Performing Loans: An Investigation from a Spatial Econometric Perspective

Опубликована: Янв. 1, 2024

How to reduce non-performing loans (NPLs) has been one of the long-standing challenges financial industry and is critical stability. Digital inclusion (DFI) enabled by technology (FinTech) shown evidence improving accessibility services with lower costs. Yet, it remains largely unclear whether DFI might alleviate NPLs. From a spatial econometric perspective, this study investigated effect on NPLs could moderate relationship between credit growth Furthermore, we probed into heterogeneity from perspective regional differences different dimensions DFI, which provided more nuanced understanding impact DFI. The research findings indicated that reduced overall but had differential effects across regions. Specifically, decomposition showed actually led an increase in local (the eastern regions > central's western's), reduction neighboring western eastern's). As for both expanding coverage deepening usage Moreover, its sub-dimensions negatively moderated NPLs, indicating healthy development may effectively contribute Implications policymakers regulators aiming at using are finally discussed.

Язык: Английский

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Weathering Market Swings: Does Climate Risk Matter for Agricultural Commodity Price Predictability?

Опубликована: Янв. 1, 2024

Язык: Английский

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Climate Risks and Financial Markets

Climate Change and Energy Transition., Год журнала: 2024, Номер unknown, С. 189 - 225

Опубликована: Янв. 1, 2024

Язык: Английский

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European Non-Performing Exposures (NPEs) and Climate-Related Risks: Country Dimensions

Risks, Год журнала: 2024, Номер 12(8), С. 128 - 128

Опубликована: Авг. 13, 2024

The EU faces two economic challenges: managing non-performing exposures (NPEs) and climate change. This paper analyzes the relationship between NPEs of domestic banking groups risks, including macroeconomic variables such as GDP growth rate, unemployment rate (UnEmp), voice accountability percentile (VCA) interaction variable GHG Rule Law Percentile (GhGRLP). estimation uses ordinary least squares with time-fixed individual effects. Physical transition risks significantly affect NPEs, showing that both adverse events to a low-carbon economy worsen financial situation European institutions. analysis also revealed increased levels VCA lead rise in while an increase GhGRLP reduces NPEs. In contrast, institutions tend recognize report more accurately contexts greater transparency accountability. comparison, UnEmp negatively affects suggesting support measures during high can reduce subsequent period. conclusion, risk management represents crucial challenge for stability Policymakers must continue develop implement change mitigation adaptation strategies preserve system amid growing uncertainties.

Язык: Английский

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Managerial macroeconomic perception and systemic risk in China

Pacific-Basin Finance Journal, Год журнала: 2024, Номер 88, С. 102505 - 102505

Опубликована: Авг. 26, 2024

Язык: Английский

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