非洲银行监管与不良贷款:加纳银行业的制度质量是否重要?

IF 2.1 Q3 BUSINESS

Journal of African Business Pub Date : 2022-06-20 DOI:10.1080/15228916.2022.2087443

J. Forson, A. I. Braimah, S. K. Asiamah, R. Kuranchie-Pong, Edward Daniels, Samuel Evergreen Adjavon

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引用次数: 2

摘要

在本文中，我们通过非洲信用风险管理中监管机制的影响，重新审视了不良贷款的决定因素。本文采用了2009年至2020年期间14家全能银行的具体银行、宏观经济和制度数据。我们开发的模型捕捉信贷风险的监管作用。专家组修正标准误差(PCSE)和系统GMM的调查结果表明，上一年的不良贷款和通货膨胀显著影响加纳银行业的不良贷款。银行规模和金融发展与不良贷款呈负相关。监管质量和政府效率对不良贷款的交互作用具有净负效应。这表明，监管质量增强了政府效率对不良贷款的减少作用。总的来说，我们的研究结果为金融不稳定理论提供了依据，因为加纳的不良贷款是投机性借款人活动的结果。

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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Banking Supervision and Nonperforming Loans in Africa: Does Institutional Quality Matter in the Ghanaian Banking Space?

ABSTRACT In this paper, we reexamine the determinants of nonperforming loans through the impact of supervisory devices in credit risk management in Africa. The paper employs bank-specific, macroeconomic and institutional data for a panel of 14 universal banks over the period 2009 to 2020. We develop models that capture the role of regulatory supervision on credit risk. Findings from the Panels Corrected Standard Errors (PCSE) and the system GMM shows that previous year’s NPL and inflation significantly affect NPLs in the banking space of Gana. Bank size and financial development are inversely associated with NPLs. The interactive term of regulatory quality and government effectiveness on NPLs has net negative effect. This suggest that regulatory quality enhances the reductive effects of government effectiveness on NPLs. Our findings in general lends credence to the financial instability theory as NPLs in the Ghanaian context has been the outcome of activities of speculative borrowers.

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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