The Determinants of Credit Union Failure: Insights from the United Kingdom

被引：0
|
作者：
Coen, Jamie [1 ,2 ]
Francis, William B. [1 ]
Rostom, May [3 ]
机构：
[1] Bank England, London, England
[2] London Sch Econ, London, England
[3] Bank Canada, Ottawa, ON, Canada
来源：
INTERNATIONAL JOURNAL OF CENTRAL BANKING | 2019年 / 15卷 / 04期
关键词：
BANK FAILURES;
D O I：
暂无
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
We use a proprietary data set on credit unions from the United Kingdom to develop an early-warning model of credit union failure. We find that a small set of financial attributes related to capital adequacy, asset quality, earnings performance, and liquidity, augmented with unemployment rates, reliably identifies failures within one year. Our results support the existing literature which, to date, has largely relied on data from the United States. This work therefore provides further evidence for establishing early-warning criteria for use by international regulators.
引用
收藏
页码：207 / 240
页数：34
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