<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0186-1042</journal-id>
<journal-title><![CDATA[Contaduría y administración]]></journal-title>
<abbrev-journal-title><![CDATA[Contad. Adm]]></abbrev-journal-title>
<issn>0186-1042</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Facultad de Contaduría y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0186-10422020000100115</article-id>
<article-id pub-id-type="doi">10.22201/fca.24488410e.2020.2215</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[In emerging economies, the effect of excessive credit growth and non - performing loans on banking crisis]]></article-title>
<article-title xml:lang="es"><![CDATA[El efecto del crecimiento excesivo del crédito y los préstamos no redituables en la crisis bancaria de las economías emergentes]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Tunay]]></surname>
<given-names><![CDATA[K. Batu]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Yücey&#305;lmaz]]></surname>
<given-names><![CDATA[Hasan F.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Çilesiz]]></surname>
<given-names><![CDATA[Ahmet]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Marmara University School of Banking and Insurance Capital Markets Department]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Turkey</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Ziraat Bank  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Turkey</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,aff3  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Turkey</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2020</year>
</pub-date>
<volume>65</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0186-10422020000100115&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0186-10422020000100115&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0186-10422020000100115&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Crediting in the banking sector plays an important role in developed and developing countries, which have built their financial system more on banking rather than capital markets. For this reason, it is monitored continuously by public authorities and measures are taken to control credit supply in rapid credit increases. In addition, strict provisioning rules for non-performing credits are under practice for non-performing loans. It is well known that in emerging markets strong credit growth in a given period is likely to end up with a financial crisis. In this study, the effects of credit-based variables on bank crises in the emerging 23 economies were investigated. In particular, the effects of credits and non-performing loans on crises are focussed. Additionally, the bank system-specific and macroeconomic control variables are included in the analysis. Findings show that private sector lending by banks and non-performing loans reflecting credit risk do not explain bank crises. Instead, it has been determined that the provisions for non-performing loans by banks and the credit gap that is considered to reflect the systemic risk in the banking system affect crises.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La concesión de créditos en el sector bancario desempeña un papel importante en los países desarrollados y en vías de desarrollo, que han basado su sistema financiero más en las operaciones bancarias que en los mercados de capital. Por esta razón, las autoridades públicas la supervisan constantemente y se toman medidas para controlar la oferta crediticia en aumentos rápidos de crédito. Además, a los préstamos no redituables se les aplican estrictas reglas de provisión para créditos no redituables. Es bien sabido que en los mercados emergentes es probable que un periodo de fuerte crecimiento del crédito termine con una crisis financiera. En este estudio, se han investigado los efectos de variables basadas en el crédito en las crisis bancarias de 23 economías emergentes. En particular, el estudio se centra en los efectos de los créditos y préstamos no redituables durante las crisis. Asimismo, en el análisis se incluyen variables de control macroeconómico y específicas del sistema bancario. Los hallazgos muestran que los préstamos del sector privado por parte de los bancos y los préstamos no redituables que reflejan el riesgo crediticio no explican las crisis bancarias. En cambio, se ha determinado que sí afectan a las crisis las provisiones para préstamos no redituables de los bancos y la brecha crediticia que se considera que refleja el riesgo sistémico en el sistema bancario.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Banking crisis]]></kwd>
<kwd lng="en"><![CDATA[Credit growth]]></kwd>
<kwd lng="en"><![CDATA[Credit gap]]></kwd>
<kwd lng="en"><![CDATA[Non-performing loans]]></kwd>
<kwd lng="en"><![CDATA[Systemic risk]]></kwd>
<kwd lng="en"><![CDATA[G01]]></kwd>
<kwd lng="en"><![CDATA[G21]]></kwd>
<kwd lng="en"><![CDATA[C33]]></kwd>
<kwd lng="es"><![CDATA[Crisis bancaria]]></kwd>
<kwd lng="es"><![CDATA[Crecimiento crediticio]]></kwd>
<kwd lng="es"><![CDATA[Brecha crediticia]]></kwd>
<kwd lng="es"><![CDATA[Créditos no redituables]]></kwd>
<kwd lng="es"><![CDATA[Riesgo sistémico]]></kwd>
<kwd lng="es"><![CDATA[G01]]></kwd>
<kwd lng="es"><![CDATA[G21]]></kwd>
<kwd lng="es"><![CDATA[C33]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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