Autori
Tutino, Franco
Colasimone, Concetta
Brugnoni, Giorgio Carlo

Titolo
Il credito alla clientela in Italia e la recente crisi finanziaria: andamento, qualità e modello di intermediazione. Evidenze empiriche per dimensione di banca
Periodico
Banca impresa società
Anno: 2012 - Volume: 31 - Fascicolo: 3 - Pagina iniziale: 365 - Pagina finale: 400

This paper, based on financial statement data from about 500 Italian banks in theperiod between 2006 and 2010, analyses the loans to customers development in Italy by bank size. The research focuses on its evolution over time and on the quality of creditexposures. The aim is to assess the lending policies adopted by Italian banks during therecent financial crisis, by linking the resulting differences also to the bank size and tothe characteristics of the intermediation model adopted. The analysis shows that to theheterogeneity emerged in the loans to customers development and in the deteriorationof its quality correspond significant differences in the business model in terms of orientationto the funding-lending credit intermediation activity with customers.



SICI: 1120-9453(2012)31:3<365:ICACII>2.0.ZU;2-C
Testo completo: http://www.mulino.it/download/article/10.1435/73082
Testo completo alternativo: http://www.mulino.it/doi/10.1435/73082

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