Relationships between Loans Granted and Interest Spreads in the UK: Empirical Research on Panel Data from 2004-2011

Kód výsledku v IS VaVaI

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Výsledek na webu

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DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Relationships between Loans Granted and Interest Spreads in the UK: Empirical Research on Panel Data from 2004-2011

Popis výsledku v původním jazyce

This paper estimates relationships between interest rate spreads and amounts of loans granted. Interest spreads we make between interest rates on loans granted both, to individuals and companies in all its fixation categories, and the market rates. We use panel cointegration analysis to estimate relationships between our variables and differences, which may exist due to the official bank rate fixation on 0.5%. Comparison on monthly data from National Bank of England's database is made between two periods, from January 2004 to March 2009 and April 2009 to August 2011. We found some differences between the cases of corporate loans and loans to individuals. Discussion on our results brings some differences together also with some sufferings of this paper.Theoretical part copes also with the loans collaterals. There are some recommendations for future research in that area, too.

Název v anglickém jazyce

Relationships between Loans Granted and Interest Spreads in the UK: Empirical Research on Panel Data from 2004-2011

Popis výsledku anglicky

This paper estimates relationships between interest rate spreads and amounts of loans granted. Interest spreads we make between interest rates on loans granted both, to individuals and companies in all its fixation categories, and the market rates. We use panel cointegration analysis to estimate relationships between our variables and differences, which may exist due to the official bank rate fixation on 0.5%. Comparison on monthly data from National Bank of England's database is made between two periods, from January 2004 to March 2009 and April 2009 to August 2011. We found some differences between the cases of corporate loans and loans to individuals. Discussion on our results brings some differences together also with some sufferings of this paper.Theoretical part copes also with the loans collaterals. There are some recommendations for future research in that area, too.

Druh

D - Stať ve sborníku

CEP obor

AH - Ekonomie

OECD FORD obor

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Projekt

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Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2012

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název statě ve sborníku

PROCEEDINGS OF THE 13TH INTERNATIONAL CONFERENCE ON FINANCE AND BANKING

ISBN

978-80-7248-753-0

ISSN

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e-ISSN

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Počet stran výsledku

10

Strana od-do

111-120

Název nakladatele

Slezská univerzita v Opavě, Obchodně podnikatelská fakulta v Karviné

Místo vydání

Karviná

Místo konání akce

Ostrava

Datum konání akce

1. 1. 2011

Typ akce podle státní příslušnosti

WRD - Celosvětová akce

Kód UT WoS článku

000309369700012