Asymmetrical Information of Loan: A Case of Iranian Banking System

Document Type : Research Paper

Authors

1 Assistant Professor, Economic Dept., Yazd University

2 MSC of Economic Sciences , Yazd University.

Abstract

 
Non-performing loans have become the most important challenge in the Iranian banking system in recent years, especially in regard with the bank-base financial market of Iran's economy. Theoretical literatures points to two factors involved in this issue: internal and external. The main purpose of this study is to investigate the bank internal factors in generating non-performing loans in Iranian banks. Thus, identifying the ways such factors affect non-performing loans can be helpful for the enhancement of banks operations.
In this paper; the bank size, credit risk, efficiency, structure, and ownership of banks are employed as influential indices which affect non-performing loans. The method which is used is a Panel Data regression analysis during the period of 2007- 2011. The results indicate that the bank size and credit risk have a positive significant relationship with non-performing loans and bank efficiency, but bank structure has a negative relationship with non-performing loans. The other findings of this study demonstrate the double effect of bank ownership on creating of non-performing loans in the Iranian banking system.
 

Keywords

References

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