Academic literature on the topic 'Role of Commercial Banks'

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Journal articles on the topic "Role of Commercial Banks"

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Nizami oğlu İslamzadə, Sarvan. "The place and role of commercial banks in economic development." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 168–72. http://dx.doi.org/10.36719/2663-4619/76/168-172.

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Kommersiya banklarının əsas funksiyası əhalidəki pul kütləsini əmanət kimi toplamaq və onlarla müştərilərinə qısamüddətli kreditlər vermək olan banklardır. Bunlara bəzən depozit bankları da deyirlər. Banklar emissiya bankları, investisiya və inkişaf bankları, xüsusi təyinatlı banklar və kommersiya bankları kimi bir neçə növləri olduğu zaman, əksər ölkələrdə kommersiya bankları ən böyük payı təşkil edir. Onlar topladıqları vəsaitin bir hissəsini (mərkəzi bank tərəfindən müəyyən edilən depozit ehtiyatı tələbləri) gündəlik ehtiyaclar üçün ehtiyat kimi ayırır, qalan hissəsini isə ticarət və sənaye yerləşdirmələrində istifadə edirlər. Kommersiya banklarının digər əsas xüsusiyyəti isə əmanətçilərlə sıx əlaqə saxlamağıdır. Açar sözlər: bank, kommersiya bankı, kredit, istehlak krediti Sarvan Nizami Islamzade The place and role of commercial banks in economic development Abstract The main function of commercial banks is to collect money from the population as deposits and to provide short-term loans to dozens of customers. These are sometimes called deposit banks. While there are several types of banks, such as issuing banks, investment and development banks, special purpose banks, and commercial banks, in most countries, commercial banks account for the largest share. They allocate part of their savings (deposit reserve requirements set by the central bank) as a reserve for daily needs, and use the rest for commercial and industrial installations. Another key feature of commercial banks is their close contact with depositors. Key words: bank, commercial bank, loan, consumer loan
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Mamatov, Akmaljon Anvarjonovich. "THE ROLE OF COMMERCIAL BANKS IN THE SECURITIES MARKET." Journal of Central Asian Social Studies 02, no. 01 (January 1, 2021): 170–76. http://dx.doi.org/10.37547/jcass/volume02issue01-a25.

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This article describes the role of commercial banks in the securities market, as well as the economic significance of investment transactions with securities, types of securities, a brief analysis and ways of development. It also provides recommendations on the position of commercial banks in the securities market and the development of the economy.
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R.ILAMATHI, R. ILAMATHI. "Role of Techology Development in Commercial Banks in India." Indian Journal of Applied Research 3, no. 9 (October 1, 2011): 83–85. http://dx.doi.org/10.15373/2249555x/sept2013/26.

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Bigirimana, Moïse, and Xu Hongyi. "Financial Inclusion in Rwanda: an Analysis of Role Played by Commercial Banks." INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE AND BUSINESS ADMINISTRATION 4, no. 2 (2018): 25–31. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.42.1003.

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The purpose of this research is to analyze the role played by commercial banks on financial inclusion in Rwanda. Rwanda which is seen as a model of fast development in Africa has set a target of 90% financial inclusion by the year 2020. This target was almost achieved in 2016 where 89% were financially included but only 26% have accounts with commercial banks. This study reveals that all the three dimensions of financial inclusion i.e. access, penetration and usage of commercial banks have increased from 2004 to 2016. This research found that almost 40% of respondents have accounts in the commercial bank. The rest of respondents have accounts either in microfinance institutions or in SACCOs. The findings show again that 67.7% of people who took loans, took them from commercial banks. Although commercial banks play a great role, there is a long way to go for Rwanda to be formally included because only 26% have an account in commercial banks according to Finscope Survey 2016. On this matter, the government of Rwanda should put more efforts to computerize MFIs and SACCOs as they serve 65% of the population in Rwanda. The government of Rwanda should set policies that support microfinance and SACCOs for them to offer better services at the standards of commercial banks as this would help in having a big number of citizens formally included and it may contribute to its economic growth.
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Ramiz oğlu Qəzənfərli, İslam. "Methodological issues of commercial banks 'operations." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 79–84. http://dx.doi.org/10.36719/2663-4619/76/79-84.

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Hər bir ölkədə kredit ehtiyatlarının böyük bir hissəsinin formalaşmasında kommersiya bankları mühim rola malikdir. Kommersiya bankları eyni zamanda da müştərilərə müxtəlif növ maliyyə-kredit xidmətlərini təklif edir. Kommersiya bankları eyni zamanda da müxtəlif funksiyaları yerinə yetirə bilirlər. Belə ki, bəzi müəlliflərin fikrincə, kommersiya bankları əmanət, sığorta, köçürmə-hesablaşma, anderrayter, kredit, investisiya planlaşdırması, broker, kredit pulların emissiyası kimi müxtəlif funksiyaları həyata keçirir. Kommersiya bankları dedikdə, pul ehtiyatlarının toplanmasında iştirak edən və pul bazarında müxtəəlif valyuta-kredit əməliyyatlarının həyata keçirmək səlahiyyəti olan kredit təşkilatları başa düşülür. Tədqiqat işinin əsas məqsədi kommersiya banklarının fəaliyyətinin nəzəri-metodoloji məsələlərinin tədqiq olunmasıdır. Açar sözlər: kommersiya bankı, kredit, bank məhsulu Islam Ramiz Qazanfarli Methodological issues of commercial banks 'operations Abstract Commercial banks play an important role in the formation of a large part of credit reserves in each country. Commercial banks also offer a variety of financial and credit services to customers. Commercial banks can also perform various functions. Thus, according to some authors, commercial banks perform various functions such as savings, insurance, transfer-settlement, underwriting, credit, investment planning, brokerage, issuance of loan money. Commercial banks are credit institutions that are involved in the accumulation of monetary reserves and have the authority to conduct various currency and credit operations in the money market. The main purpose of the research is to study the theoretical and methodological issues of commercial banks. First, the theoretical foundations of the research subject were studied. At this stage, approaches to the characteristics of commercial banks have been theoretically analyzed, which plays a key role in achieving the objectives of the study. Methods of systematization, grouping, comparison were used here. Key words: commercial bank, credit, banking product
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Jha, Sanjay Kumar. "Role of Commercial Banks in Industrial Development of Muzaffarpur District." International Journal of Scientific Research 2, no. 11 (June 1, 2012): 93–96. http://dx.doi.org/10.15373/22778179/nov2013/29.

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R, Shopiya. "Role of Branding in Commercial Banks with Multiple Regression Analysis." International Journal of Research in Arts and Science 04, no. 02 (August 31, 2018): 01–03. http://dx.doi.org/10.9756/ijras.8403.

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Kieu Oanh Dao, Le, Thi Yen Nguyen, Sarfraz Hussain, and Van Chien Nguyen. "Factors affecting non-performing loans of commercial banks: the role of bank performance and credit growth." Banks and Bank Systems 15, no. 3 (August 13, 2020): 44–54. http://dx.doi.org/10.21511/bbs.15(3).2020.05.

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The recent crisis of non-performing loans in the banking system has hit the Vietnamese economy hard. The GDP has been fallen down, while the bad debt ratio in the banking system has risen dramatically to 17.2 percent, and it takes more time to restore the economy and banking system. This research aims to define aspects that impact non-performing commercial bank loans in Vietnam. It covers the period of 2008–2017 using 200 identified banks of Ho Chi Minh City Stock Exchange and Hanoi Stock Exchange, and applies methods based on the regression of pooled ordinary least squares, fixed and random effects models, in particular, generalized least squares to confirm the stability of the regression model. The results show that non-performing loans this year will positively affect those in the next year. In addition, a raise in bank performance and credit growth also leads to the reduction in non-performing loans from banks. Regarding macroeconomic factors, higher interest rates would have a major and beneficial influence on failed loans in terms of macroeconomic dynamics, and, therefore, little effect on economic activity and inflation. Therefore, Vietnamese banking system should reduce the systematic risk and improve monitoring processes, drawing on the experience of global banks with extensive experience in risk management.
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Abrishami, Hamid, and Masoud Saboji. "The Role of Current Banking System in the Growth of Industrial Sector in Isfahan Province (Iran)." International Letters of Social and Humanistic Sciences 72 (August 2016): 45–53. http://dx.doi.org/10.18052/www.scipress.com/ilshs.72.45.

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Studying the function of banks is crucial because their vigorous role in the economy seems to be a subject of immense importance. In the present study, we analyze and study the role of whole banks, commercial banks and specialized banks between 2002 and 2012 in Isfahan, based on the growth of value added approach in the industrial sector. In order to investigate this matter, we have estimated three extinction panels for the whole banking system, specialized banks and commercial banks in Eviews 9. Based on the results it can be argued that in the panels of whole banks and specialized banks, payment facilities have a positive and meaningful impact on the growth of value added in all three sectors of the economy, but in the panel of commercial banks, only banking facilities on a 10 percent level have a positive and meaningful impact on the growth of value added in the industrial sector. As a result, we can conclude that specializing the bank's activities can have a positive effect on the growth of value added in various sectors of the economy.
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SELVAKUMAR, M., P. ANBUCHEZHIENKAMARAJ, V. Sathyalakshmi, and R. Mohammed Abubakkar Siddique. "Role of Commercial Banks in Financial Literacy." PRODUCTIVITY 59, no. 2 (September 25, 2018): 186–97. http://dx.doi.org/10.32381/prod.2018.59.02.9.

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Dissertations / Theses on the topic "Role of Commercial Banks"

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Mahbub, Tasmina. "The performance of Bangladeshi commercial banks : the role of corporate governance." Thesis, University of Manchester, 2016. https://www.research.manchester.ac.uk/portal/en/theses/the-performance-of-bangladeshi-commercial-banksthe-role-of-corporate-governance(8fcbba3e-7b37-470e-92e7-1a905718ab15).html.

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Academic studies of Bangladeshi Private Commercial Banks (PCBs) have identified issues of Corporate Governance relating to ‘crony capitalism’ and political influence. The thesis combines quantitative and qualitative methods. The research employs conventional econometric panel estimation and a novel method of estimating efficiency using a non-parametric bootstrapping technology. The results reveal significant performance differences. To understand the causes underlying the differences in revenue efficiency and profitability, multiple lenses from theories of Corporate Governance are adopted to design semi-structured interviews. Twenty in-depth interviews from a sample of banks, both managers and board members and industry stakeholders are supplemented with documentary analysis. The quantitative findings reveal a performance gap between 1st Generation PCBs and 2nd and 3rd Generation PCBs in terms of Efficiency and Profitability. 1st Gen PCBs perform worst whereas there is no statistical difference between Gen 2 and Gen 3 PCBs. Moreover, there is no sign of catch-up or improvement for the 1st Generation PCBs. The research demonstrates that an increasing amount of 1st Generation banks’ Non Performing Loans is the main reason for this performance gap. The interview data relate the performance gaps to inadequate Corporate Governance. The research identifies family dominated boards that have encouraged crony capitalism and featherbedding of employees resulting in excessive Non Performing Loans and higher overhead costs. Also, these 1st Generation banks are excessively large in terms of employees, rural branches and remittance earnings leading to a culture of invulnerability to takeover.
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Dutta, Sanjay. "Role of commercial banks in agricultural development with special reference to jalpaiguri District." Thesis, University of North Bengal, 2020. http://ir.nbu.ac.in/handle/123456789/4332.

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Ailola, David A. "The regulation of commercial banks in Zambia and their role in development." Thesis, University of Warwick, 1988. http://wrap.warwick.ac.uk/4317/.

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This work analyses the regulation of commercial banks in Zambia and its impact on the role that these institutions are playing in national development. The background to this analysis is -the conviction that as these institutions control enormous amounts of resources, or are capable of doing so, then they need certain incentives to make them available for investment. These institutions are not using their own money. Such incentives or inducements therefore must ensure that those resources are safely invested. The incentives envisaged include regulations both of the institutions themselves as well as the economic system. It is these aspects that this work examines. The work is divided into six basic chapters. The first chapter is the introduction which makes the case for a role to be played by commercial banks in development, under proper regulation. The second chapter gives a historical origin of banks in Zambia, including the circumstances of existing commercial banks. Chapter three deals with the regulations affecting commercial banking. This is basically an outline of the various statutes enacted in the country since the colonial days. Chapter four makes the case for the actual relevance or need for commercial bank involvement in Zambia's economic development. It sketches out the historical shortage of resources in investment. Chapter five deals with the actual role played by banks in Zambia's development, while chapter six appraises the effect of the regulations on that performance. The seventh chapter is a summary of the study and the conclusions reached. The law is stated as it stood in 1985, although recent developments and laws known to the author are included.
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Aydin, Sadiye. "Housing Finance In Turkey: The Role Of Housing Loans Extended By Commercial Banks." Master's thesis, METU, 2006. http://etd.lib.metu.edu.tr/upload/12607998/index.pdf.

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With the 1980s, as a result of economic and financial deregulation policies, housing finance systems in most countries have had great transformations and have become market-oriented. Recently, in Turkey, a draft law was submitted to the parliament which can be regarded as an attempt to integrate housing finance to capital markets through the establishment of secondary market for housing loans extended by commercial banks. In this thesis, it is aimed to evaluate the role of housing loans extended by commercial banks on housing finance in Turkey, to assess the prospective legal regulation in terms of lenders and borrowers of housing loans and to discuss the anticipated impacts of this scheme to the commercial banks, the housing loans and borrowers within the context of global trends in housing finance. For these purposes, housing files extended by commercial banks have been examined and in-dept interviews have been conducted with interviewees from commercial banks, Capital Market Board and Housing Development Administration. As a result, it is found out that the role of housing loans extended by commercial banks is very limited in housing finance in Turkey and only high income groups can access these loans. Moreover, it is explicit that the housing finance scheme in the draft law is entirely market-oriented and targets the middle and upper income groups. On the other hand, such a policy orientation is quite problematic and paradoxical in that
the housing problem in Turkey is most dramatically felt by the lower middle and low income groups.
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Pavlidis, Panayiotis M. "Marketing's role in successful new product development in commercial, investment and merchant banks." Thesis, City University London, 1993. http://openaccess.city.ac.uk/8378/.

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This thesis investigates marketing's role in new product development (NPD) in commercial, investment and merchant banks. It examines how marketing inputs contribute to new product development success. NPD success can be measured at two levels of analysis - at the program and at the project level. Our study is concentrated at the program level at which sustained product development success is examined, rather than one-off project success. Successful product developers are identified as those banks with a better record of being first to market with new products. This measure of product development success is important in the financial risk management market in which commercial, investment and merchant banks compete fiercely. Based on peer evaluation seventeen banks were identified as innovative, that is to say; active new product developers in the financial risk management market from a universe of almost 130 U.K. and foreign banks with established operations in London. From these seventeen eight participated in our research study. Data was collected in two stages. First, personal interviews were conducted with the heads of the treasury divisions or the heads of derivates desks to collect background information for control purposes. Second, detailed questionnaires were administered to two further members of each bank who were involved with the development of financial risk management products. The questionnaires consisted of statements for which respondents were invited to indicate agreement or disagreement on 5-point Likert type scales. Our findings show that it is not the trappings but the quality of marketing inputs that contribute to program success. Quality of marketing inputs comprises the quality of approach adopted and the quality of execution. The most important finding is that successful product developers adopt higher quality marketing than do less successful product developers. Successful product developers place great emphasis on getting both their approach and their execution right. It was found that successful product developers adopt a market-based approach in identifying new opportunities. They not only adopt a strategy which selects markets on the basis of benefits sought (instead of determining strategy on the basis of primarily internal strengths), but they also use internal marketing to promote this cause. Further, successful product developers possess the appropriate implementation skills to exploit selected opportunities. While we cannot claim that program success will be guaranteed from a market-based approach, our evidence lends strong support that absence of a market-based approach is likely to lead to considerably lesser success in the type of product development investigated in this research study.
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Razzaque, Abdur. "Role of financial institutions in relation to rural development with special reference to a backward district like Malda since nationalisation of commercial banks (1969)." Thesis, University of North Bengal, 1986. http://hdl.handle.net/123456789/557.

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Morton, Kenneth. "Exploring Bank Managers' Strategies for Developing Millennials for Leadership Roles in Commercial Banks." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2416.

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Understanding strategies to prepare Millennials for leadership roles in commercial banks is critical to ensure organizational stability and success and to avoid knowledge gaps and leadership deficiencies created by large numbers of retiring Baby Boomers. Guided by learning network theory and generational theory, the purpose of this multiple case study was to explore the strategies that 3 bank managers in North Carolina and South Carolina used to prepare Millennials for leadership. These 3 bank managers had a minimum of 2 years of experience leading teams of employees which included Millennials. The study included semistructured interviews to elicit detailed narratives from the bank managers on their experiences in preparing Millennials for leadership roles. Additional data included a review of public and private documents containing developmental activities and leadership program details used with Millennials. All data were analyzed and coded to identify recurring themes. Methodological triangulation was used to identify 5 key strategies used by managers to help prepare Millennials for leadership including structured development processes, generational alignment and engagement, coaching and mentoring, leveraging technology, and communications. Bank managers could use these findings to implement successful strategies to help Millennials prepare for leadership roles. Doing so promotes positive social change by identifying these strategies for bank managers to prepare key talent for leadership roles within organizations.
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Nabil, Barihan A. "The role of management accounting systems in enhancing organisational effectiveness in Jordanian commercial banks." Thesis, Loughborough University, 2005. https://dspace.lboro.ac.uk/2134/36115.

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The research looks at the nature of MAS in Jordan, and at its role in enhancing organizational effectiveness in Jordanian commercial banks. It looks into MAS, their design, the causes behind their design, the operation of MAS, and subsequently any effects on OE. The first part of the fieldwork is a case study on one of the nine Jordanian commercial banks that form the research population. Data was collected from sixteen personal semi-structured interviews on the different aspects of MAS adopted in the case study. The second part of the fieldwork is a survey that covered the remaining eight Jordanian commercial banks. Data was collected from the eight banks through personal interviews based on the findings from the case study. The literature reviewed included areas of management accounting, management accounting research, management accounting systems, and organizational effectiveness.
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Al, Hawamdeh Nayel. "An investigation of the role of knowledge brokers during service encounters : the context of Jordanian commercial banks." Thesis, Brunel University, 2018. http://bura.brunel.ac.uk/handle/2438/16686.

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Obtaining customer knowledge represents a key task across all firms given its importance for potential competitive advantage, improving service quality and achieving long-term relationships with agents. However, despite the fact that the interaction between customers and frontline employees during service encounters is considered a valuable source of customer knowledge, our understanding of the role of frontline employees as brokers in this respect remains embryonic. The purpose and motivation of this research are to explore the factors-namely, enablers and barriers-that influence frontline employees' motivation to serve as knowledge brokers. The process through which knowledge brokers transfer customer knowledge during service encounters is also considered important. This study further contributes to the theory of knowledge management by formulating a valid conceptual framework that illustrates the process of knowledge-brokering during these service encounters. This thesis adopted a qualitative research approach using an in-depth multiple case study analysis. In total, 30 semi-structured interviews with different informants (i.e. managers and employees) from three top commercial banks in Jordan were undertaken. In addition, other data sources, including documents and observations, were also informed the primary data collection. Contextually, Jordan's service-oriented economy combined with its developing nature provided a rich research environment for exploring these issues. The study reveals that frontline employees engage in knowledge-brokering during service encounters transfer through three types of customer knowledge, namely, knowledge about customers, knowledge for customers, and knowledge from customers. Furthermore, the main findings demonstrate four critical sets of factors facilitating or impeding knowledge-brokering during these events, i.e.; organisational-level factors (e.g. organisational culture, organisational structure, and organisational support), individual-level factors (e.g. job experience, prior customer knowledge, ability to understand customer knowledge, self-efficacy, and workload), technological-level factors (e.g. bank information system and a lack of a customer-relationship management system) and knowledge-level factors (e.g. tacit or explicit). It was also found that the process of knowledge-brokering during service encounters is accomplished in two ways: knowledge-brokering for the customer and knowledge-brokering for the organisation. This study also reports a set of managerial implications that provide a better understanding of the influential factors inherent in establishing and seeking to succeed in knowledge-brokering during the course of frontline bank employees' interactions during service encounters. Keywords: knowledge-brokering, frontline employees, customer knowledge, service encounters.
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Barkley, David L., and Peter E. Helander. "The Role of Commercial Bank Loans in Nonmetropolitan Economic Development." College of Agriculture, University of Arizona (Tucson, AZ), 1985. http://hdl.handle.net/10150/602137.

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Books on the topic "Role of Commercial Banks"

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Anitha, H. S. Entrepreneurship development: Role of commercial banks. Jaipur: Mangal Deep Publications, 2003.

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Anitha, H. S. Entrepreneurship development: Role of commercial banks. Jaipur: Mangal Deep Publications, 2003.

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Verma, Sawalia Bihari. Role of commercial banks in rural development. New Delhi: Mohit Publications, 1997.

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Developing country debt: The role of the commercial banks. London: Royal Institute of International Affairs, 1987.

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Ailola, David Akapelwa. The regulation of commercial banks in Zambia and their role in development. [s.l.]: typescript, 1988.

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Darity, William A. The loan pushers: The role of commercial banks in the international debt crisis. Cambridge, Mass: Ballinger Pub. Co., 1988.

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Long, Millard. The role of commercial banks in enterprise restructuring in Central and Eastern Europe. Washington, DC: World Bank, Financial Sector Development Dept., Financial Sector Policy and Institutions Unit, 1995.

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Barkley, David L. The role of commercial bank loans in nonmetropolitan economic development. Tucson, Ariz: Agricultural Experiment Station, University of Arizona, 1985.

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Conference of Commercial Banks of the SADCC Region (1st 1984 Arusha, Tanzania). Commercial banking in the SADCC region: The quest for a role : proceedings of the First Conference of Commercial Banks of the SADCC Region, held at the Arusha International Conference Centre from 13th-17th August 1984. Dar es Salaam, Tanzania: The Bank, 1985.

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Bank, African Development, ed. Appui au commerce: Le role de la Banque africaine de développement. [Abidjan?]: Banque africaine de développement, 2006.

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Book chapters on the topic "Role of Commercial Banks"

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Bindseil, Ulrich, and Alessio Fotia. "Central Banks." In Introduction to Central Banking, 11–28. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70884-9_2.

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AbstractThis chapter develops further the role of a central bank and its interplay with commercial banks. Together, the two ensure the provision of liquidity to the economy, such that the real sectors are shielded from flows of funds originating from household and investors. We also disaggregate the banking system into two banks to represent deposit flows between banks and their impact on the central bank’s balance sheet, and to distinguish between what we call “relative” and “absolute” central bank intermediation. We then integrate deposit money creation by commercial banks into our system of financial accounts, and revisit some old debates, such as the limits of bank money creation and the role of related parameters that the central bank can set (not only the reserve requirement ratio, but also the collateral framework). Finally, we explain the concepts of “plain money” and “full reserve banking” within the financial accounts, and also discuss in this framework the recent proposals regarding central bank digital currency (CBDC).
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Stellinga, Bart, Josta de Hoog, Arthur van Riel, and Casper de Vries. "How Is Money Created?" In Research for Policy, 17–46. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70250-2_2.

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AbstractThis chapter describes how money is created. Many people mistakenly believe that money can only be created by governments or central banks. But money today is mostly – but not exclusively – created by commercial banks. This chapter describes the ways in which this is done, it outlines the forces that drive and constrain this means of money creation, and it discusses the role of monetary policy.
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Nayak, Bhabani Shankar, and Yilin Gao. "Role of State in the Evolution and Success of Commercial Banks in China." In China: The Bankable State, 1–8. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-5252-3_1.

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Stellinga, Bart, Josta de Hoog, Arthur van Riel, and Casper de Vries. "The History of Money Creation." In Research for Policy, 47–81. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70250-2_3.

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AbstractThe dominance of deposit money means commercial banks play a leading role in money creation. This chapter puts this situation in a historical context. The functioning of our financial monetary system and the role of banks have changed fundamentally over time. The chapter reveals that what we take for granted today was often far from self-evident yesterday. We focus on the Netherlands and discuss four periods in turn: (1) the ‘long nineteenth century’ up to the First World War, with an emphasis on the 1870−1914 period, (2) the interwar period (1918−1939), (3) the Bretton Woods period (1944−1973) and (4) the decades leading up to the latest financial crisis (1973−2008).
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Luo, Dan. "The Role of the Central Bank and the Influence of China’s Monetary Policy on Asset Pricing." In The Development of the Chinese Financial System and Reform of Chinese Commercial Banks, 202–27. London: Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/9781137454669_7.

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Brusov, Peter, Tatiana Filatova, Natali Orekhova, and Mukhadin Eskindarov. "The Role of the Central Bank and Commercial Banks in Creating and Maintaining a Favorable Investment Climate in the Country." In Modern Corporate Finance, Investments, Taxation and Ratings, 415–37. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-99686-8_20.

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Brusov, Peter, Tatiana Filatova, and Natali Orekhova. "The Role of the Central Bank and Commercial Banks in Creating and Maintaining a Favorable Investment Climate in the Country." In The Brusov–Filatova–Orekhova Theory of Capital Structure, 529–56. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-27929-4_24.

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Meier, Henri B., John E. Marthinsen, Pascal A. Gantenbein, and Samuel S. Weber. "Swiss National Bank and Swiss Franc’s Role in Global Financial Markets." In Swiss Finance, 335–409. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-23194-0_7.

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AbstractThe Swiss National Bank (SNB) is Switzerland’s reliable, conservative, and independent central bank. Its mandate is to ensure price stability with due consideration for the economy’s development. As the nation’s monetary authority, ultimate source of bank liquidity, and lender of last resort, the SNB has kept Switzerland’s inflation low relative to other countries, mitigated systemic financial risks, provided efficient payment services, participated in multilateral global organizations, and compiled useful statistical data. The SNB’s effectiveness, combined with Switzerland’s lack of commercial and financial restrictions, political neutrality, direct democracy, moderate taxes, and fiscally disciplined governments, have appreciated the Swiss franc’s value and made it a haven in times of international turmoil. Digitalization, cryptocurrencies, and central bank digital currencies are challenges the SNB faces.
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Maqableh, Aya Naser, Khatijah Omar, and Jasem Taleb Al-Tarawneh. "The Mediating Role of Employee Engagement Between Quality of Work-Life and Job Performance in Jordanian Commercial Banks _conceptual Paper." In Artificial Intelligence Systems and the Internet of Things in the Digital Era, 467–74. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-77246-8_43.

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Lessambo, Felix I. "Commercial Banks and Savings Banks." In The U.S. Banking System, 93–98. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-34792-5_6.

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Conference papers on the topic "Role of Commercial Banks"

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BUZOIANU, Ovidiu Andrei Cristian, Oana IACOB PARGARU, Irina Elena PETRESCU, and Radu Alexandru CHIOTAN. "ORGANIZATION AND FUNCTIONING OF COMMERCIAL BANKS IN ROMANIA – TRANSYLVANIA BANK." In INTERNATIONAL MANAGEMENT CONFERENCE. Editura ASE, 2024. http://dx.doi.org/10.24818/imc/2023/04.10.

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With the development of the industry, they have the term of short credit operations of the production cycle. The credit term gradually increased, part of the Bank's resources began to be invested in fixed capital, securities, etc., thus the term "commercial" in the notion of bank has lost its original meaning. Now, this term implies the "business" character of the bank, its orientation towards serving all economic agents regardless of the sphere of activity. In the modern market economy, the activity of commercial banks has a major role with all their connections with the sectors of the economy. The purpose of banks is to ensure the continuous circulation of capital and money, lending to industrial enterprises, the state and the population, creation favorable conditions for economic growth. Modern commercial banks, having the role of financial intermediaries, perform an important macroeconomic function, ensuring the inter-branch and inter-regional redistribution of monetary capital. The objective of this article is based on an effective analysis of the situation of commercial banks in Romania, with Transilvania Bamk as the direct target. Thus, the scope of the work is a financial-banking one, which can lead to a comparative study with the other institutions.
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Alshehadeh, Abdul Razzak, Ghaleb A. Elrefae, Haneen A. Al-Khawaja, Bintang Annisa Bagustari, Shorouq F. Eletter, and Abdelhafid Belarabi. "The Role of Data Mining Tools in Commercial Banks' Cyber-Risk Management." In 2022 Ninth International Conference on Social Networks Analysis, Management and Security (SNAMS). IEEE, 2022. http://dx.doi.org/10.1109/snams58071.2022.10062826.

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Hashm taha, Omar. "The role of IAS No. (1) In achieving a balance between the relevance and reliability of financial statements in commercial banks." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/icearnc/28.

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This study dealt with research and analysis an important topic directly related to the activity of commercial banks, as it is known these banks depend on the practice of their banking operations, on the funds deposited with them, and also their activity must be characterized by stability and be obligated to disclose the results of their work periodically by preparing a set of binding financial reports in accordance with the local laws in force and the international accounting and financial reporting standards informed by the guidance and recommendations they contain, in particular IAS No. (1) (presentation of financial statements) where these financial statements must contain a set of characteristics that provide decision makers with sufficient, conclusive and useful information, in the appropriate timing and quality, for the purpose of making important and different decisions that would affect negatively or positively on the bank. On the other hand, where accounting reform requires an expansion of accounting rules that go beyond the scope of financial measures for all economic entities, as they relate to concepts such as reporting transactions, such as acquisitions of assets at their cost or their current market value, where the previous traditional approach calls for its reliability, but it may lose its importance quickly due to various factors, we mention Including inflation, in short, for the purpose of achieving accounting reform, a balance must be achieved between the relevance and the reliability. Through this study, focus was placed on the International Accounting Standard No. (1) (presentation of financial statements) and what this standard contains of qualitative characteristics that make the outputs of the accounting system applied in the bank useful for the various groups beneficiary and interested in the financial statements prepared by commercial banks. (Bank of Baghdad) sample for research that there is great interest in preparing the financial statements according to the International Accounting Standard No. (1), therefore there is a great balance achieved through the preparation of these financial statements between the basic qualitative characteristics, which is the property of suitability and the characteristic of reliability.
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Hashm taha, Omar. "The role of IAS No. (1) In achieving a balance between the relevance and reliability of financial statements in commercial banks." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/uhdicearnc/28.

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This study dealt with research and analysis an important topic directly related to the activity of commercial banks, as it is known these banks depend on the practice of their banking operations, on the funds deposited with them, and also their activity must be characterized by stability and be obligated to disclose the results of their work periodically by preparing a set of binding financial reports in accordance with the local laws in force and the international accounting and financial reporting standards informed by the guidance and recommendations they contain, in particular IAS No. (1) (presentation of financial statements) where these financial statements must contain a set of characteristics that provide decision makers with sufficient, conclusive and useful information, in the appropriate timing and quality, for the purpose of making important and different decisions that would affect negatively or positively on the bank. On the other hand, where accounting reform requires an expansion of accounting rules that go beyond the scope of financial measures for all economic entities, as they relate to concepts such as reporting transactions, such as acquisitions of assets at their cost or their current market value, where the previous traditional approach calls for its reliability, but it may lose its importance quickly due to various factors, we mention Including inflation, in short, for the purpose of achieving accounting reform, a balance must be achieved between the relevance and the reliability. Through this study, focus was placed on the International Accounting Standard No. (1) (presentation of financial statements) and what this standard contains of qualitative characteristics that make the outputs of the accounting system applied in the bank useful for the various groups beneficiary and interested in the financial statements prepared by commercial banks. (Bank of Baghdad) sample for research that there is great interest in preparing the financial statements according to the International Accounting Standard No. (1), therefore there is a great balance achieved through the preparation of these financial statements between the basic qualitative characteristics, which is the property of suitability and the characteristic of reliability.
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Salomatina, Sofya A. "The Oryol Commercial Bank, railways and agricultural export in the Central Black Earth Region in the second half of the 19th century." In Торговля, купечество и таможенное дело в России в XVI–XX веках. ИПЦ НГУ, 2023. http://dx.doi.org/10.31518/tktdr-35-2023-13.

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The article is devoted to the banking infrastructure that served agricultural exports in the second half of the 19th century on the example of the Oryol Commercial Bank and the Oryol province. The author briefly presents the results of a completed scientific project, during the implementation of which it was proved that the Orel Commercial Bank, based on one of the largest export roads, back in the 1870s (20 years earlier than the State Bank’s branches) made a bet on all types of banking services for agriculture. The servicing of commodity-money flows in the western direction absolutely dominated the region, with the harvest of last year being exported, and rail transportation was closely correlated with banking operations. Thus, a crop storage system has developed in the region, supplemented by a complex of banking operations. This fact must be taken into account when assessing the role of banks in regional development.
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Musa, Khaled, Abdul-Razzak AlShehadeh, and Raed Alqerem. "The Role of Data Mining Techniques in the Decision-Making Process in Jordanian Commercial Banks." In 2019 IEEE Jordan International Joint Conference on Electrical Engineering and Information Technology (JEEIT). IEEE, 2019. http://dx.doi.org/10.1109/jeeit.2019.8717461.

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Alshehadeh, Abdul Razzak, Kamel Rezig, Haneen Al-khawaja, Iqbal Jebril, Ehab Injadat, and Abeer fouzan Aref Al-Abbadi. "The Disclosure Governance and its Role in the Operational Risk Management: Evidence from Commercial Banks." In 2023 International Conference on Information Technology (ICIT). IEEE, 2023. http://dx.doi.org/10.1109/icit58056.2023.10225992.

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Polouček, Stanislav. "Credit Behaviour of Banks in the European Union in the Wake of Global Economic Crisis." In International Conference on Eurasian Economies. Eurasian Economists Association, 2010. http://dx.doi.org/10.36880/c01.00221.

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Recent financial crises hit many countries. The impact on Visegrad countries in credit area was not damaging. The main reason was stability and soundness of financial (banking) sectors in these countries and an adequate response of central banks as well as flexible management of commercial banks. Commercial banks, usually daughter companies of western banks, used above all domestic deposits for financing credits. This played a key role in credit area and helped to keep the financial system stable. It is important to underpin that responses to the crisis have been rather heterogeneous in central European countries and there are quite big disparities among Visegrad countries, too. In the paper developments and responses of the commercial banks to the crisis and their stability have been discussed on the basis of deposits, loans of monetary financial institutions to the non-financial sector, households, governments, lending for house purchase and credit for consumption in several EU countries. Net position of banks vis-á-vis foreign banks is taken into account, too.
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Al-Okdeh, Saleh. "The Role of Technology of Mind Mapping on Internal Auditing in Risk Management: Evidence from Jordanian Commercial Banks." In 2023 International Conference on Business Analytics for Technology and Security (ICBATS). IEEE, 2023. http://dx.doi.org/10.1109/icbats57792.2023.10111166.

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Рамзаева, Екатерина Петровна, and Оксана Викторовна Кравченко. "THE ROLE OF DIGITALIZATION IN THE BANKING SECTOR IN INCREASING THE STABILITY OF THE FINANCIAL MARKET." In Социально-экономические и гуманитарные науки: сборник избранных статей по материалам Международной научной конференции (Санкт-Петербург, Октябрь 2021). Crossref, 2021. http://dx.doi.org/10.37539/seh299.2021.95.91.005.

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В статье рассмотрены основные аспекты развития коммерческих банков в условиях цифровизации экономики. Основной целью данной публикации является определение роли цифровизации как фактора повышения конкурентоспособности банковских систем. The article discusses the main aspects of the development of commercial banks in the digital economy. The main purpose of this publication is to determine the role of digital advertising as a strategy for the competitiveness of banking systems.
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Reports on the topic "Role of Commercial Banks"

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Folkerts-Landau, David. Wholesale Payments Systems and Financial Discipline, Efficiency, and Liquidity. Inter-American Development Bank, July 1997. http://dx.doi.org/10.18235/0011571.

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The experience of a large number of countries since the mid-1970s has demonstrated the limited potential for activist monetary and fiscal policies to influence real macroeconomic performance on a sustained basis. Given the central role of the financial sector in pricing and allocating capital and risk, attention has focused on the architecture of this sector. Heading the reform agenda now are issues pertaining to the relation between the central bank, commercial banks and the wholesale payments system, the financial supervisory and regulatory environment, the development of capital markets, pension reforms, and risk management. This paper considers the lessons that are emerging from payments system reform currently underway in some major industrial countries.
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Ozler, Sule. Have Commercial Banks Ignored History? Cambridge, MA: National Bureau of Economic Research, January 1992. http://dx.doi.org/10.3386/w3959.

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Hovakimian, Armen, and Edward Kane. Risk-Shifting by Federally Insured Commercial Banks. Cambridge, MA: National Bureau of Economic Research, August 1996. http://dx.doi.org/10.3386/w5711.

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Westley, Glenn D. Strategies and Structures for Commercial Banks in Microfinance. Inter-American Development Bank, August 2006. http://dx.doi.org/10.18235/0009067.

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This paper is a checklist of all the factors a bank should consider when deciding the type of organizational structure it should use to do microlending. In addition, the paper discusses key best practices banks should follow in order to be successful in microlending in addition to picking the best structure. Some (though not all) of these best practices provide a useful test: if the bank is not willing to follow them, it may be best to stay away from microlending, for the chances of success are greatly diminished. This paper is aimed both at banks entering microfinance and at banks with existing microfinance operations which they may wish to expand or reorganize.
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Akua Anyidoho, Nana, Max Gallien, Mike Rogan, and Vanessa van den Boogaard. Mobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy. Institute of Development Studies, September 2022. http://dx.doi.org/10.19088/ictd.2022.012.

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The use of digital financial services, including money transfers and mobile money, have expanded widely in lower-income countries in the past decade; 47 per cent of the population of sub-Saharan Africa (548 million) had a registered mobile money account in 2020, with 29 per cent of those accounts representing active users (Andersson-Manjang and Naghavi 2021: 8). Among lower-income countries for which data is available, the average number of mobile money accounts is more than double the number of commercial bank accounts. In many lower-middle-income countries, mobile money usage is the same or more than commercial bank usage (Bazarbash et al. 2020). Alongside this growth, governments have increasingly sought to tax DFS, rooted in deeper discussions about the role that technology can play in increasing tax revenue and strengthening overall state capacity (Fan et al. 2020; Okunogbe and Santoro 2021). While capturing revenue from DFS can come from many sources, mobile money taxes in particular have often been introduced due to the untapped revenue potential and the relatively convenient and easy nature of the tax handle (Lees and Akol 2021a) – particularly in relation to, say, corporate income taxes on financial service providers. As noted above, the search for revenue is often closely linked to a desire to capture revenue from workers in the informal economy, who are often framed as tax evaders.
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Sachs, Jeffrey, and Harry Huizinga. U.S. Commercial Banks and the Developing Country Debt Crisis. Cambridge, MA: National Bureau of Economic Research, December 1987. http://dx.doi.org/10.3386/w2455.

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Featherstone, Allen M., Thomas A. Garrett, and Thomas L. Marsh. Input Inefficiency In Commercial Banks: A Normalized Quadratic Input Distance Approach. Federal Reserve Bank of St. Louis, 2003. http://dx.doi.org/10.20955/wp.2003.036.

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Duro, Miguel, Germán López-Espinosa, Sergio Mayordomo, Gaizka Ormazabal, and María Rodríguez-Moreno. Enforcing mandatory reporting on private firms: the role of banks. Madrid: Banco de España, November 2022. http://dx.doi.org/10.53479/23526.

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This paper studies firm-level factors shaping the enforcement of financial reporting regulation on private firms and proposes bank lending as a particularly important one. Our tests are based on a rare combination of data sets, which allows us to construct unique measures of misreporting, notably in the form of underreporting of debt. We observe that private firms with bank debt are more likely to file mandatory financial reports and less likely to file information with irregularities. While we also find evidence that the need for bank financing can induce firms to misreport, this concern is mitigated by additional findings suggesting that banks detect reporting issues within private firms’ financial statements. Critically, we observe that firms with reporting issues obtain significantly less credit, especially when the bank has had previous exposure to debt misreporting and when the bank verifies debt information using the public credit registry. In short, our paper documents important firm-level determinants of private firms’ misreporting and highlights that banks play a significant role in the enforcement of mandatory financial reporting on these firms.
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Basu, Susanto, Robert Inklaar, and J. Christina Wang. The Value of Risk: Measuring the Service Output of U.S. Commercial Banks. Cambridge, MA: National Bureau of Economic Research, December 2008. http://dx.doi.org/10.3386/w14615.

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Kintner-Meyer, Michael CW, Krishnappa Subbarao, Nirupama Prakash Kumar, Gopal K. Bandyopadhyay, C. Finley, V. S. Koritarov, J. C. Molburg, et al. The Role of Energy Storage in Commercial Building. Office of Scientific and Technical Information (OSTI), September 2010. http://dx.doi.org/10.2172/1027705.

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