Consumer Loans in Cambodia: Implications on Banking Stability

Channarith Meng

MPRA Paper from University Library of Munich, Germany

Abstract: This paper analyzes the fast development of consumer loans including housing loans in Cambodia to check whether or not such a development posts any stability risk to banking system in Cambodia. Using stress-testing method, the paper finds that current level of consumer loans provided by banks does yet creates a big threat to the banking stability in Cambodia. Rather, the surge reflects consequences of positive development in the banking system and economy as a whole, including the rise of middle-income class, changing family structure, stronger competition among banks, and more widespread financial literacy.

Keywords: Housing loans; consumer loans; stress testing; banking stability; Cambodia; financial crisis (search for similar items in EconPapers)
JEL-codes: E58 G01 G21 G28 O16 (search for similar items in EconPapers)
Date: 2014-03-05
New Economics Papers: this item is included in nep-ban, nep-mac and nep-sea
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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:54131

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