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Financial Liberalization, Competition and Sound Banking: Theoretical and Empirical Essays

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dc.contributor.authorChen, Xiaofenen
dc.contributor.committeecochairFeltenstein, Andrewen
dc.contributor.committeecochairHaller, Hans H.en
dc.contributor.committeememberMcGuirk, Anya M.en
dc.contributor.committeememberCothren, Richard D.en
dc.contributor.committeememberSpanos, Arisen
dc.contributor.committeememberMurphy, Russell D.en
dc.contributor.departmentEconomicsen
dc.date.accessioned2014-03-14T20:15:00Zen
dc.date.adate2001-08-21en
dc.date.available2014-03-14T20:15:00Zen
dc.date.issued2001-07-31en
dc.date.rdate2002-08-21en
dc.date.sdate2001-08-10en
dc.description.abstractPrevious 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.en
dc.description.degreePh. D.en
dc.identifier.otheretd-08102001-131624en
dc.identifier.sourceurlhttp://scholar.lib.vt.edu/theses/available/etd-08102001-131624/en
dc.identifier.urihttp://hdl.handle.net/10919/28595en
dc.publisherVirginia Techen
dc.relation.haspartxchends9.dvien
dc.relation.haspartxchends.pdfen
dc.relation.haspartGHU1N50B.wmfen
dc.relation.haspartGHU1N50A.wmfen
dc.relation.haspartGHU1N509.wmfen
dc.rightsIn Copyrighten
dc.rights.urihttp://rightsstatements.org/vocab/InC/1.0/en
dc.subjectfinancial liberalizationen
dc.subjectbanking competitionen
dc.subjectcredit risken
dc.subjectscreeningen
dc.subjectcollateralen
dc.titleFinancial Liberalization, Competition and Sound Banking: Theoretical and Empirical Essaysen
dc.typeDissertationen
thesis.degree.disciplineEconomicsen
thesis.degree.grantorVirginia Polytechnic Institute and State Universityen
thesis.degree.leveldoctoralen
thesis.degree.namePh. D.en

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