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Deposit Insurance Database
Demirguc-Kunt, Asli; Kane, Edward J.; Laeven, Luc - National Bureau of Economic Research (NBER) - 2014
This paper provides a comprehensive, global database of deposit insurance arrangements as of 2013. We extend our earlier dataset by including recent adopters of deposit insurance and information on the use of government guarantees on banks' assets and liabilities, including during the recent...
Persistent link: https://www.econbiz.de/10010969341
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Housing Collateral, Credit Constraints and Entrepreneurship - Evidence from a Mortgage Reform
Jensen, Thais Lærkholm; Leth-Petersen, Søren; Nanda, … - National Bureau of Economic Research (NBER) - 2014
We study how a mortgage reform that exogenously increased access to credit had an impact on entrepreneurship, using individual-level micro data from Denmark. The reform allows us to disentangle the role of credit access from wealth effects that typically confound analyses of the collateral...
Persistent link: https://www.econbiz.de/10010969457
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Evaluating Policies to Prevent another Crisis: An Economist's View
Willen, Paul S. - National Bureau of Economic Research (NBER) - 2014
underwriting; (2) reform of rating agency compensation, (3) risk retention in securitization, and (4) mandatory loan renegotiation …
Persistent link: https://www.econbiz.de/10010950717
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The Effects of Reconstruction Finance Corporation Assistance on Michigan's Banks' Survival in the 1930s
Calomiris, Charles W.; Weidenmier, Marc; Mason, Joseph R.; … - National Bureau of Economic Research (NBER) - 2012
assistance that are not directly related to failure risk) for analyzing the effects of RFC assistance on bank survival. We find … assistance not only contributed to loan supply by reducing failure risk; conditional on bank survival, RFC assistance is …
Persistent link: https://www.econbiz.de/10010950800
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How does macroprudential regulation change bank credit supply?
Kashyap, Anil; Tsomocos, Dimitrios P.; Vardoulakis, … - National Bureau of Economic Research (NBER) - 2014
reduces the incentive to lend and take risk, while limited liability pushes for excessive lending and risk-taking. We explore …
Persistent link: https://www.econbiz.de/10010950858
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An Empirical Analysis of the Fed's Term Auction Facility
Benmelech, Efraim - National Bureau of Economic Research (NBER) - 2012
The U.S. Federal Reserve used the Term Auction Facility (TAF) to provide term funding to eligible depository institutions from December 2007 to March 2010. According to the Fed, the purpose of TAF was to inject term funds through a broader range of counterparties and against a broader range of...
Persistent link: https://www.econbiz.de/10010950874
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The "Greatest" Carry Trade Ever? Understanding Eurozone Bank Risks
Acharya, Viral V.; Steffen, Sascha - National Bureau of Economic Research (NBER) - 2013
' short-term debt exposures. Consistent with moral hazard in the form of risk-taking by large, under-capitalized banks to … exploit government guarantees, arbitrage regulatory risk weights, and access central-bank funding, we find that this carry …-trade behavior is stronger for large banks, and banks with low Tier 1 ratios and high risk-weighted assets, in both GIPSI and non …
Persistent link: https://www.econbiz.de/10010950931
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Regulating Consumer Financial Products: Evidence from Credit Cards
Agarwal, Sumit; Chomsisengphet, Souphala; Mahoney, Neale; … - National Bureau of Economic Research (NBER) - 2013
We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act in the United States. Using a difference-in- differences research design and a unique panel data set covering over 160 million credit card...
Persistent link: https://www.econbiz.de/10010951059
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The Value of Connections in Turbulent Times: Evidence from the United States
Acemoglu, Daron; Johnson, Simon; Kermani, Amir; Kwak, James - National Bureau of Economic Research (NBER) - 2013
The announcement of Timothy Geithner as nominee for Treasury Secretary in November 2008 produced a cumulative abnormal return for financial firms with which he had a connection. This return was about 6% after the first full day of trading and about 12% after ten trading days. There were...
Persistent link: https://www.econbiz.de/10010951075
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Consumer Credit: Too Much or Too Little (or Just Right)?
Zinman, Jonathan - National Bureau of Economic Research (NBER) - 2013
The intersection of research and policy on consumer credit often has a Goldilocks feel. Some researchers and policymakers posit that consumer credit markets produce too much credit. Other researchers and policymakers posit that markets produce too little credit. I review theories and evidence on...
Persistent link: https://www.econbiz.de/10010951083