Does abnormal lending behavior increase bank riskiness?Evidence from Turkey  

作　　者：Farrukh Shahzad Zeeshan Fareed Bushra Zulfiqar Umme Habiba Muhammad Ikram 

机构地区：[1]School of Economic and Business Administration,Chongqing University,Chongqing,China [2]School of Business,Huzhou University,Huzhou City,Zhejiang Province,China [3]School of Economics,Southwestern University of Finance and Economics,Chengdu,China [4]School of Finance,Shanxi University of Finance and Economics,Taiyuan,Shanxi Province,China [5]College of Economics and Management Nanjing University of Aeronautics and Astronautics,Nanjing,China

出　　处：《Financial Innovation》2019年第1期630-644,共15页金融创新（英文）

摘　　要：Purpose:This study empirically analyzes whether the rapid growth of loans and risktaking behavior during the expansion of loans affected non-performing loans(NPLs)and the solvency of financial institutions in the Turkish banking system.Design/methodology/approach:Using the GMM Generalized Method of Moments,this study used data on Turkish banks from 2011 to 2017 to test two hypotheses on the effects of loan growth on NPLs and solvency.Findings:This study finds significant results for the effect of loan growth on NPLs and solvency.NPLs rose from the previous year’s loan growth,which tended to reduce solvency.Research limitations/implications:Due to selected research methods,the results may lack generality.Therefore,future studies should test the propositions herein further.Practical implications:The results indicate that careful allocation behavior is required when lending.Additionally,these findings may be helpful to financial managers and decision makers.Originality/value:This study confirms the need to determine how to allocate loans during the loan boom periods.

关 键 词：Turkish banks Non-performing loans Loan growth SOLVENCY GMM 

分 类 号：O35[理学—流体力学]