Title page for ETD etd-08102001-131624


Type of Document Dissertation
Author Chen, Xiaofen
Author's Email Address xichen6@vt.edu
URN etd-08102001-131624
Title Financial Liberalization, Competition and Sound Banking: Theoretical and Empirical Essays
Degree PhD
Department Economics
Advisory Committee
Advisor Name Title
Feltenstein, Andrew Committee Co-Chair
Haller, Hans H. Committee Co-Chair
Cothren, Richard D. Committee Member
McGuirk, Anya M. Committee Member
Murphy, Russell D. Committee Member
Spanos, Aris Committee Member
Keywords
  • financial liberalization
  • banking competition
  • credit risk
  • screening
  • collateral
Date of Defense 2001-07-31
Availability unrestricted
Abstract
Previous studies seem to agree that increased competition would cause riskier banking behavior. This dissertation shows that when competition intensifies, banks have greater incentives for screening loan applicants, and thus loan quality may improve. In addition, competition fosters banks to rely less on collateral requirements. Hence, banks may be less vulnerable to asset price shocks. The empirical chapter finds evidence of loan quality improvement after removing cross-border entry restrictions in the EU. There is also evidence that banks' behavior across EU countries has converged.
Files
  Filename       Size       Approximate Download Time (Hours:Minutes:Seconds) 
 
 28.8 Modem   56K Modem   ISDN (64 Kb)   ISDN (128 Kb)   Higher-speed Access 
  GHU1N509.wmf 343.46 Kb 00:01:35 00:00:49 00:00:42 00:00:21 00:00:01
  GHU1N50A.wmf 170.32 Kb 00:00:47 00:00:24 00:00:21 00:00:10 < 00:00:01
  GHU1N50B.wmf 176.04 Kb 00:00:48 00:00:25 00:00:22 00:00:11 < 00:00:01
  xchends.pdf 498.23 Kb 00:02:18 00:01:11 00:01:02 00:00:31 00:00:02
  xchends9.dvi 235.76 Kb 00:01:05 00:00:33 00:00:29 00:00:14 00:00:01

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