Chuluunbaatar Enkhzaya examines the "inadequate" behaviour of banks
in Mongolia by analysing the institutional framework of the banking
system, especially in lending. She focuses on the genesis of
informal institutions of lending and their interaction with formal
institutions of lending. Herewith, informal institutions such as
the attitude to risk were indirectly observed by diagnosing the
"action-regulating" knowledge of bankers. In order to ensure an
effective allocation of the scarce financial resources of Mongolia
the author therefore suggests a change - as simultaneous as
possible - of formal and informal rules.
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