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The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations

Akhavein, Jalal; Frame, W. Scott; White, Lawrence J. - Federal Reserve Bank of Atlanta - 2001

Financial innovation has been described as the “life blood of efficient and responsive capital markets.” Yet, there have been few quantitative investigations of financial innovation and the diffusion of these new technologies. Of the latter, there have been only three prior quantitative...

Persistent link: https://www.econbiz.de/10005402032

The effect of credit scoring on small business lending in low- and moderate-income areas

Frame, W. Scott; Padhi, Michael; Woosley, Lynn - Federal Reserve Bank of Atlanta - 2001

This paper empirically examines the effect of the use of credit scoring by large banking organizations on small business lending in low- and moderate-income (LMI) areas. Using census tract level data for the southeastern United States, the authors estimate that credit scoring increases small...

Persistent link: https://www.econbiz.de/10005721743

What's in a name? An experimental examination of investment behavior

Ackert, Lucy F.; Church, Bryan K.; Tompkins, James; … - Federal Reserve Bank of Atlanta - 2003

A fundamental unresolved issue is whether information asymmetries underlie investors' predisposition to invest close to home (i.e., domestically or locally). The authors conduct experiments in the United States and Canada to investigate agents' portfolio allocation decisions, controlling for the...

Persistent link: https://www.econbiz.de/10005401946

Back to basics

Barron, Patrick - Federal Reserve Bank of Atlanta - 2009

Remarks at the Georgia Bankers Association's Annual Convention, Atlanta, Georgia, June 15, 2009

Persistent link: https://www.econbiz.de/10010726516

The Asian liquidity crisis

Chang, Roberto; Velasco, Andres - Federal Reserve Bank of Atlanta - 1998

A country's financial system is internationally illiquid if its potential short-term obligations in foreign currency … exceed the amount of foreign currency it can have access to in short notice. This condition may be necessary and sufficient … liberalization, the shortening of the foreign debt structure, and the currency denomination of assets versus liabilities. We explain …

Persistent link: https://www.econbiz.de/10005721645

Financial crises in emerging markets: a canonical model

Chang, Roberto; Velasco, Andres - Federal Reserve Bank of Atlanta - 1998

We present a simple model that can account for the main features of recent financial crises in emerging markets. The international illiquidity of the domestic financial system is at the center of the problem. Illiquid banks are a necessary and a sufficient condition for financial crises to...

Persistent link: https://www.econbiz.de/10005721657

Technological change in large U.S. commercial banks

Hunter, William C.; Timme, Stephen G. - Federal Reserve Bank of Atlanta - 1988

Persistent link: https://www.econbiz.de/10005401846

An examination of cost subadditivity and multiproduct production in large U.S. banks

Hunter, William C.; Timme, Stephen G.; Yang, Won Keun - Federal Reserve Bank of Atlanta - 1989

Persistent link: https://www.econbiz.de/10005401854

Financial regulatory structure and the resolution of conflicting goals

Wall, Larry D.; Eisenbeis, Robert A. - Federal Reserve Bank of Atlanta - 1999

The debate over modernizing the financial structure is raising questions about the merits of modernizing the financial regulatory structure. Regulatory structure is important because an almost unavoidable feature of our current system of government is that Congress assigns multiple goals that...

Persistent link: https://www.econbiz.de/10005401971

Financial fragility and the exchange rate regime

Chang, Roberto; Velasco, Andres - Federal Reserve Bank of Atlanta - 1997

We study financial fragility, exchange rate crises, and monetary policy in an open economy version of a Diamond-Dybvig model. The banking system, the exchange rate regime, and central bank credit policy are seen as parts of a mechanism intended to maximize social welfare; if the mechanism fails,...

Persistent link: https://www.econbiz.de/10005401975