BUAD917 Dissertation Samples | Auckland Institute of Studies

BUAD917 Dissertation Summary

This dissertation studies how New Zealand’s five major banks allocate credit to different sectors between 2020 and 2025. It focuses on lending to Mortgage, SME, and Agricultural sectors. The study finds that mortgage lending is highly affected by changes in interest rates, while agricultural lending remains stable even during economic changes. SME lending slows down the most during tight monetary conditions. The research shows that each sector reacts differently to economic and policy changes.........View More

Table of Contents

Abstract

Acknowledgement

List of Tables

List of Figures

List of Abbreviations & Glossary

Abstract.................................................................................................................................................................... 3

Acknowledgement.................................................................................................................................................. 4

List of Tables........................................................................................................................................................... 8

List of Figures...................................................................................................................................................................................... G

List of Abbreviations & Glossary.................................................................................................................... 11

Chapter 1: Introduction

1.1 Research Context: New Zealand Banking Sector................................................................................... 14

Chapter Summary..........21

Chapter 2: Theoretical Framework Literature Review

2.1 Introduction................................................................................................................................................. 22

2.2 Theoretical Framework.............................................................................................................................. 23

2.2.1 Credit Channel Theory........................................................................................................................ 23

Chapter 3: Research Methodology

3.1 Research Design.......................................................................................................................................... 41

3.2 Data Sources................................................................................................................................................ 41

3.2.1 Sample Selection...................................................................................................................................... 42

3.3 Methodological Justifications..................................................................................................................... 42

Chapter 4: Empirical Analysis and Results

4.1 Sectoral Lending Portfolio Analysis........................................................................................................ 53

4.2 Cross-Bank Correlation Analysis

4.3 Structural Break Analysis.......................................................................................................................... 57

4.4 OCR Regression Analysis................................................................................................................................................................................ 5G

4.6 Summary of Research Question Findings and linked

Hypothesis 

4.7 Comprehensive Hypothesis Testing

Results 

Chapter 5: Discussion of Findings

5.1 Theoretical Implications

5.1.1 Theoretical Interpretation of Hypothesis Testing Outcomes........................................................ 67

5.1.2 New Zealand Divergence from International Literature................................................................ 68

5.2 Policy and Practice Implications   

5.3 Methodological Limitations 

5.4 Synthesis and Contribution........................................................................................................................ 70

Chapter 6: Conclusion and Implications

6.1 Research Questions and Present Study Responses................................................................................ 73

6.2 Theoretical Contributions: Addressing Research Gaps....................................................................... 75

6.3 Practical Implications.................................................................................................................................. 77

6.4 Research Limitations: Boundary Conditions................................................................................................................................................................................ 7G

6.5 Future Research Directions......................................................................................................................... 80

6.6 Concluding Reflection................................................................................................................................... 81

References............................................................................................................................................................. 83

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