1
Associate Professor of Economics, University of Buali Sina
2
Assistant Professor of Economics, Iran Banking Institute
3
MA in Banking
Abstract
Emersion of Non-performing Loan is one of the effects monetary activities of credit institutions. A phenomenon that has a negative impact on the Bank Resources and Uses. Housing price changes is one of the most important factors affecting on NPL. The boom and Recession of the housing sector, can be effective on the repayment ability of the received loans. In this study, using the model (tajik et al, 2015), it is attempting to examine the effect of housing prices on non-performing loans in the banking sector. For this purpose, a dynamic panel model was used for a sample of 15 banks during the period of 2005-2016 using generalized moments method. 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 NPL. Also the analysis of inter banking factors shows that the ratio of Non-performing Loan has a positive and significant relation with the ratio of loan to assets, the ratio of cost to income and bank size. There was no meaningful relation between the ratio of given loans to the building and housing sector to the total loans and the NPL.
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Gholizadeh, A., Golzarian Pour, S., & Shakouri, F. (2019). Investigating the Effect of Housing Prices on Non-Performing Loans in Banking System of Iran. Quarterly Journal of Applied Theories of Economics, 6(3), 189-214.
MLA
Aliakbar Gholizadeh; Siavash Golzarian Pour; fariba Shakouri. "Investigating the Effect of Housing Prices on Non-Performing Loans in Banking System of Iran". Quarterly Journal of Applied Theories of Economics, 6, 3, 2019, 189-214.
HARVARD
Gholizadeh, A., Golzarian Pour, S., Shakouri, F. (2019). 'Investigating the Effect of Housing Prices on Non-Performing Loans in Banking System of Iran', Quarterly Journal of Applied Theories of Economics, 6(3), pp. 189-214.
VANCOUVER
Gholizadeh, A., Golzarian Pour, S., Shakouri, F. Investigating the Effect of Housing Prices on Non-Performing Loans in Banking System of Iran. Quarterly Journal of Applied Theories of Economics, 2019; 6(3): 189-214.
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