Bank Deposit Mobilization, Loan Advancement and Financial Stability: The Role of Bank Branches in an Emerging Market

IF 2.1 Q3 BUSINESS

Journal of African Business Pub Date : 2021-08-24 DOI:10.1080/15228916.2021.1962155

B. Kusi, Lord Mensah, E. Agbloyor

引用次数: 0

Abstract

ABSTRACT This study investigates the relationship between bank branches, financial intermediation, and financial stability in Ghana using 35 banks between 2009 and 2017. Employing a panel two-step dynamic GMM model, a non-linear “inverted U-shaped” relationship is documented between bank branches and financial stability. This implies that initial increases in bank branches promote financial stability but beyond 191 and 173 bank branches, bank branching derails banking stability. The findings further reveal that bank branches enhance the positive effects of deposits on bank stability whilst reducing the negative consequences of bank lending on financial stability. These findings imply that while bank management can rely on bank branches to enhance loans and deposits in promoting banking stability, bank management should also be cautious about the number of bank branches they keep given that beyond a certain threshold it may impede stability.

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银行存款动员、贷款推进与金融稳定:新兴市场中银行分支机构的作用

摘要本研究调查了2009年至2017年间加纳35家银行分行、金融中介和金融稳定之间的关系。采用面板两步动态GMM模型，记录了银行分行与金融稳定之间的非线性“倒U型”关系。这意味着银行分行的最初增加促进了金融稳定，但在191和173家银行分行之外，银行分行破坏了银行业的稳定。研究结果进一步表明，银行分行增强了存款对银行稳定的积极影响，同时减少了银行贷款对金融稳定的负面影响。这些发现表明，虽然银行管理层可以依靠银行分行来增加贷款和存款，以促进银行业的稳定，但银行管理层也应该对其保留的银行分行数量保持谨慎，因为超过一定的门槛可能会阻碍稳定。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of African Business BUSINESS-

CiteScore

4.60

自引率

10.50%

发文量

期刊介绍： Journal of African Business is the official journal of the Academy of African Business and Development, the largest network of professionals committed to advancement of business development in African nations. JAB strives to comprehensively cover all business disciplines by publishing high quality analytical, conceptual, and empirical articles that demonstrate a substantial contribution to the broad domain of African business. Regardless of the research context, tradition, approach, or philosophy, manuscripts submitted to JAB must demonstrate that the topics investigated are important to the understanding of business practices and the advancement of business knowledge in or with Africa. Particularly, JAB welcomes qualitative and quantitative research papers. JAB is not, however, limited to African-based empirical studies. It searches for various contributions, including those based on countries outside Africa that address issues relevant to African business. Targeted toward academics, policymakers, consultants, and executives, JAB features the latest theoretical developments and cutting-edge research that challenge established beliefs and paradigms and offer alternative ways to cope with the endless change in the business world. Covered areas: Accounting; Agribusiness Management and Policy; Business Law; Economics and Development Policy; Entrepreneurship and Family Business; Finance; Global Business; Human Resource Management; Information and Communications Technology (ICT); Labor Relations; Marketing; Management Information Systems (MIS); Non-Profit Management; Operations and Supply Chain Management; Organizational Behavior and Theory; Organizational Development; Service Management; Small Business Management; Social Responsibility and Ethics; Strategic Management Policy; Technology and Innovation Management; Tourism and Hospitality Management; Transportation and Logistics