Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)

Loan Conditions and Bank Risk Exposure

Authors
Yi-Chang Chen, Zixian Xu, Jie Deng, Bin Xu
Corresponding Author
Jie Deng
Available Online December 2019.
DOI
10.2991/febm-19.2019.23How to use a DOI?
Keywords
loan conditions; risk exposure; credit funds; bank-specific characteristics
Abstract

This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 2007-2018, and empirically explores the impact of enterprises on bank borrowing. We find that the bank's credit funds are associated with bank-specific characteristics such as size, a growth rate of the asset, growth rate of income, net profit, the current ratio, and EPS. Empirical results provide positive significant evidence from the size and current ratio, indicating the impact on the loan banking market. Finally, the variables considered in our paper can be used as a reasonable criterion for valuing the credit conditions of the loan market.

Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)
Series
Advances in Economics, Business and Management Research
Publication Date
December 2019
ISBN
978-94-6252-849-9
ISSN
2352-5428
DOI
10.2991/febm-19.2019.23How to use a DOI?
Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

TY  - CONF
AU  - Yi-Chang Chen
AU  - Zixian Xu
AU  - Jie Deng
AU  - Bin Xu
PY  - 2019/12
DA  - 2019/12
TI  - Loan Conditions and Bank Risk Exposure
BT  - Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)
PB  - Atlantis Press
SP  - 60
EP  - 62
SN  - 2352-5428
UR  - https://doi.org/10.2991/febm-19.2019.23
DO  - 10.2991/febm-19.2019.23
ID  - Chen2019/12
ER  -