Author/Authors :
Tarı, Recep Kocaeli Üniversitesi - İktisadi ve İdari Bilimler Fakültesi - İktisat Bölümü, Turkey , Yiğitbaş, Şehnaz Bakır Çanakkale Onsekiz Mart Üniversitesi - Ayvacık Meslek Yüksekokulu - Finans-Bankacılık ve Sigortacılık Bölümü, Turkey , Kurt, Serdar Çanakkale Onsekiz Mart Üniversitesi - İktisadi ve İdari Bilimler Fakültesi - Ekonometri Bölümü, Turkey
Title Of Article :
An Empirical Analysis of the Relationships Between Asymmetric Information, Bank Loans and the Real Sector
Abstract :
This study aims to analyze the relationship between real sector production and lending behaviors of Turkish commercial banks in asymmetric information environment. The study investigates dynamic relationships between bank loans with nominal interest rates, the amount of default loans, the difference between loan interest and deposit interest, inflation rate and production index. The analysis indicates that, of these variables, inflation rate and difference between loan interest and deposit interest are affective on bank loans in a certain level, and that default loans are affected by nominal interest rates, but they do not directly affect lending behaviors of banks. Bank loans are found to have an effect on real sector production.
NaturalLanguageKeyword :
Bank loans , Asymmetric information , Real sector production , The VAR model
JournalTitle :
Gaziantep University Journal Of Social Sciences
