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Monitoring, moral hazard, and market power: a model of bank lending

Covitz, Daniel; Heitfield, Erik - Federal Reserve Board (Board of Governors of the … - 1999

We model the relationship between market power and both loan interest rates and bank risk without placing strong restrictions on the moral hazard problems between borrowers and banks and between banks and a government guarantor. Our results suggest that these relationships hinge on intuitive...

Persistent link: https://www.econbiz.de/10005513044

A simple simulation model of international bank lending

Terrell, Henry S.; Dohner, Robert S. - Federal Reserve Board (Board of Governors of the … - 1987

The paper develops a simple simulation model of international bank lending to test the extent to which targeting of fixed shares in the stock of total bank claims on a borrower can make lending flows unstable. The model is based on three distinct types of lending strategies: potentially volatile...

Persistent link: https://www.econbiz.de/10005712769

International trends for U.S. banks and banking markets

Houpt, James V. - Federal Reserve Board (Board of Governors of the … - 1988

Persistent link: https://www.econbiz.de/10005401498

Deposit insurance assessments on deposits at foreign branches of U.S. banks

Marquardt, Jeffrey C. - Federal Reserve Board (Board of Governors of the … - 1987

insurance assessment, while foreign deposits are not. This paper examines the arguments for and against extending this … assessment to foreign branch deposits of insured banks, which in the aggregate amount to more than $200 billion. These arguments … incidence effects on loan and deposit customers in a three sector--money center banks, foreign banks, and regional and smaller …

Persistent link: https://www.econbiz.de/10005368279

The dynamics of market entry: the effects of mergers and acquisitions on do novo entry and small business lending in the banking industry

Berger, Allen N.; Bonime, Seth D.; Goldberg, Lawrence G.; … - Federal Reserve Board (Board of Governors of the … - 1999

We study the dynamics of market entry following mergers and acquisitions (M&As) and the behavior of recent entrants in supplying output that might be withdrawn by the consolidating firms. The data, drawn from the banking industry, suggest that M&As are associated with subsequent increases in the...

Persistent link: https://www.econbiz.de/10005513027

Diversification and risk in banking: evidence from ex post returns

McAllister, Patrick H.; McManus, Douglas A. - Federal Reserve Board (Board of Governors of the … - 1992

Persistent link: https://www.econbiz.de/10005513057

Does bank lending affect output? evidence from the U.S. states

Driscoll, John C. - Federal Reserve Board (Board of Governors of the … - 2003

This paper uses a panel of state-level data to test whether changes in bank loan supply affect output. Since the U.S. states are small open economies with fixed exchange rates, state-specific shocks to money demand are automatically accommodated, leading to changes in lending if banks rely on...

Persistent link: https://www.econbiz.de/10005513074

The effects of local banking market structure on the banking-lending channel of monetary policy

Adams, Robert M.; Amel, Dean F. - Federal Reserve Board (Board of Governors of the … - 2005

We study the relationship between banking competition and the transmission of monetary policy through the bank lending channel. Using business small loan origination data provided from the Community Reinvestment Act from 1996-2002 in our analysis, we are able to reaffirm the existence of the...

Persistent link: https://www.econbiz.de/10005513105

Modeling the whole firm: the effect of multiple inputs and financial intermediation on bank deposit rates

Kiser, Elizabeth K. - Federal Reserve Board (Board of Governors of the … - 2004

Empirical studies of price competition typically analyze the direct effects of market structure, cost, and local demand on prices; this approach has been applied widely to studies of bank deposit rates. However, the theory of the banking firm suggests that substitutability between sources of...

Persistent link: https://www.econbiz.de/10005513121

Commercial lending and distance: evidence from Community Reinvestment Act data

Brevoort, Kenneth P.; Hannan, Timothy H. - Federal Reserve Board (Board of Governors of the … - 2004

Innovations such as credit scoring have increased the ability of banks to lend to distant business borrowers, which could expand the geographic market for small business loans. However, if this effect is limited to a few large banks, the market may become segmented and lending distance at local...

Persistent link: https://www.econbiz.de/10005514129