The effect of housing prices on nonperforming loans in iran banking system

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GHOLIZADEH ALI AKBAR; Golzarianpour Siavash; Shakoory Monfared Fariba

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Journal Paper

Paper Information

Journal: JOURNAL OF APPLIED THEORIES OF ECONOMICS Year:2019 | Volume:6 | Issue:3 Page(s): 189-214

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Title

The effect of housing prices on nonperforming loans in iran banking system

Author(s)

GHOLIZADEH ALI AKBAR | Golzarianpour Siavash | Shakoory Monfared Fariba | Issue Writer Certificate

Keywords

Housing pricesQ2

non-current demandsQ1

generalized moments methodQ1

Abstract

mersion of non-current demands is one of the effects monetary activities of credit institutions. A phenomenon that has a negative impact on the resource and cost cycle of banks. Housing price changes is one of the most important factors affecting on delayed bank demands. The boom and stagnation of the housing sector, can be effective on the repayment ability of the received facility. In this study, using the model (Blundell and Bond, 1998), it is attempting to examine the effect of Housing prices on nonperforming loans in the banking sector. For this purpose, a dynamic panel model was used for a sample of 15 banks during the period of 2005-2015 using generalized moments method. In this study, the growth rate of GDP without oil, the rate of growth of housing price changes and the unemployment rate is used as independent variables and the ratio of facilities to assets, the ratio of cost to income, the size of the bank and the proportion of facilities granted to the housing and housing sector to the total facility is used as the factors of inter banking. The results of this study shows that the growth rate of housing price changes and the growth rate of gross domestic product without oil has a negative and significant effect, and unemployment rate has a positive effect on the ratio of non-current demands to facilities.

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APA: Copy

GHOLIZADEH, ALI AKBAR, Golzarianpour, Siavash, & Shakoory Monfared, Fariba. (2019). The effect of housing prices on nonperforming loans in iran banking system. JOURNAL OF APPLIED THEORIES OF ECONOMICS, 6(3 ), 189-214. SID. https://sid.ir/paper/402022/en

Vancouver: Copy

GHOLIZADEH ALI AKBAR, Golzarianpour Siavash, Shakoory Monfared Fariba. The effect of housing prices on nonperforming loans in iran banking system. JOURNAL OF APPLIED THEORIES OF ECONOMICS[Internet]. 2019;6(3 ):189-214. Available from: https://sid.ir/paper/402022/en

IEEE: Copy

ALI AKBAR GHOLIZADEH, Siavash Golzarianpour, and Fariba Shakoory Monfared, “The effect of housing prices on nonperforming loans in iran banking system,” JOURNAL OF APPLIED THEORIES OF ECONOMICS, vol. 6, no. 3 , pp. 189–214, 2019, [Online]. Available: https://sid.ir/paper/402022/en

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