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Personal Bankruptcy Law, Wealth and Entrepreneurship: Theory and Evidence from the Introduction of a "Fresh Start"
Fossen, Frank M. - 2011
A personal bankruptcy law that allows for a "fresh start" after bankruptcy reduces the individual risk involved in entrepreneurial activity. On the other hand, as risk shifts to creditors who recover less of their credit after a debtor's bankruptcy, lenders may charge higher interest rates or...
Persistent link: https://www.econbiz.de/10011601000
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Stärkerer Wettbewerb unter Kreditauskunfteien: Gesetz soll mehr Transparenz bringen
Jentzsch, Nicola - In: DIW Wochenbericht 75 (2008) 22, pp. 290-297
Der Wettbewerb unter Kreditauskunfteien in Deutschland hat sich in den vergangenen Jahren stark intensiviert …
Persistent link: https://www.econbiz.de/10011601825
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Auskunfteien: schafft ein neues Datenschutzgesetz mehr Transparenz?: Fünf Fragen an Nicola Jentzsch
Wittenberg, Erich; Jentzsch, Nicola - In: DIW Wochenbericht 75 (2008) 22, pp. 291
Persistent link: https://www.econbiz.de/10011601826
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Personal bankruptcy law, wealth and entrepreneurship: Theory and evidence from the introduction of a fresh start
Fossen, Frank M. - 2011
A personal bankruptcy law that allows for a fresh start after bankruptcy reduces the individual risk involved in entrepreneurial activity. On the other hand, as risk shifts to creditors who recover less of their credit after a debtor's bankruptcy, lenders may charge higher interest rates or...
Persistent link: https://www.econbiz.de/10010274553
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Personal bankcuptcy law, wealth and entrepreneurship - Theory and evidence from the introduction of a 'fresh start'
Fossen, Frank M. - 2011
A personal bankruptcy law that allows for a 'fresh start' after bankruptcy reduces the individual risk involved in entrepreneurial activity. On the other hand, as risk shifts to creditors who recover less of their credit after a debtor's bankruptcy, lenders may charge higher interest rates or...
Persistent link: https://www.econbiz.de/10010304694
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Personal Bankruptcy Law and Entrepreneurship
Fossen, Frank M.; König, Johannes - In: CESifo DICE Report 13 (2015) 4, pp. 28-34
Persistent link: https://www.econbiz.de/10011696940
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Eine erste Bewertung makroprudenzieller Instrumente in der Immobilienfinanzierung
Bendel, Daniel; Demary, Markus; Voigtländer, Michael - 2016
die Einführung dieser Instrumente. Anders als in vielen anderen Ländern folgt die Finanzierung in Deutschland aber eher … Instrumenten für Banken. Für Deutschland zeigen sich keine makroprudenziellen Risiken. Die Verschuldung der Haushalte ist seit dem …. Insgesamt könnte die Kreditvergabe in Deutschland sogar ausgeweitet werden. Die makroprudenziellen Instrumente können damit kaum …
Persistent link: https://www.econbiz.de/10011480682
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Mehr Wohneigentum für NRW : Stellungnahme zu der Drucksache 17/5627
Voigtländer, Michael - 2019
Die Fraktion der SPD (Landtag Nordrhein-Westfalen, 2019) kritisiert in Ihrem Antrag die Landesregierung für die stärkere Wohneigentumsförderung im Rahmen der sozialen Wohnraumförderung. Tatsächlich ist mit dem Regierungswechsel die Akzentuierung der sozialen Wohnraumförderung verändert...
Persistent link: https://www.econbiz.de/10012119824
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International similarities of bank lending practices and varieties of insolvency laws : a comparative analysis of France and Germany
Größl, Ingrid; Levratto, Nadine - 2012
Economic theory conjectures complementarities between the ranking of creditors in formal insolvency proceedings and the use of collateral in bank loan contracts as well as the exist-ence of relational compared to arm's length lending. In this paper we seek evidence for the-se hypotheses taking...
Persistent link: https://www.econbiz.de/10010425216
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The recovery rate for retail and commercial customers in Germany : a look at collateral and its adjusted market values
Ingermann, Peter-Hendrik; Hesse, Frederik; Bélorgey, … - In: Business research 9 (2016) 2, pp. 179-228
Based on a unique data set of 909 defaulted retail and commercial (self-employed and SMEs) credit customers in Germany, whose original loans were made by 123 different banks, our article confirms a significant positive influence of collateral, and of amicable agreements between the debtor and...
Persistent link: https://www.econbiz.de/10011817722