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Trustworthiness in the financial industry
Gill, Andrej; Heinz, Matthias; Schumacher, Heiner; … - 2020
The financial industry has been struggling with widespread misconduct and public mistrust. Here we argue that the lack of trust into the financial industry may stem from the selection of subjects with little, if any, trustworthiness into the financial industry. We identify the social preferences...
Persistent link: https://www.econbiz.de/10012265867
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Detecting mortgage delinquencies
Askitas, Nikos; Zimmermann, Klaus F. - 2011
Economic hardship is strongly reflected by the housing market. It is the concern of much research, but its analysis is often obstructed by insufficient lagged data. This paper evaluates search intensity for "hardship letter" from Google Insights to detect ensuing mortgage delinquencies. Such...
Persistent link: https://www.econbiz.de/10009312194
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Finance and growth at the firm level : evidence from SBA loans
Brown, J. David; Earle, John S. - 2015
We analyze linked databases on all Small Business Administration (SBA) loans, on all SBA lenders, and on all U.S. employers to estimate the effects of financial access on employment growth. Our methods combine regressions with matching on firm age, size, industry, year, and employment history,...
Persistent link: https://www.econbiz.de/10011309136
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Does greater inequality lead to more household borrowing? : new evidence from household data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
One suggested hypothesis for the dramatic rise in household borrowing that preceded the financial crisis is that low-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome households. Using household level data on...
Persistent link: https://www.econbiz.de/10010238213
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Who bears the welfare costs of monopoly?the case of the credit card industry
Herkenhoff, Kyle; Raveendranathan, Gajendran - 2019
How are the welfare costs from monopoly distributed across U.S. households? We answer this question for the U.S. credit card industry, which is highly concentrated, charges interest rates that are 3.4 to 8.8 percentage points above perfectly competitive pricing, and has repeatedly lost antitrust...
Persistent link: https://www.econbiz.de/10012147023
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How successful are banking sector reforms in emerging market economies? : evidence from impact of monetary policy on levels and structures of firm debt in India
Bhaumik, Sumon Kumar; Kutan, Ali Mustafa; Majumdar, Sudipa - 2016
that well-functioning credit markets would reflect a bank channel for monetary policy at work, we test whether a change in … and the associated change in interest rate does not affect change in bank credit, change in total debt and the proportion … of bank credit in total debt for any of the firms. We discuss the policy implications of the findings. …
Persistent link: https://www.econbiz.de/10011493763
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Media capture by banks
Durante, Ruben; Fabiani, Andrea; Laeven, Luc; Peydró, … - 2022
Do media slant news in favor of the banks they borrow from? We study how lending connections affect news coverage of banks earnings reports and of the Eurozone sovereign debt crisis on major newspapers from several European countries. We find that newspapers cover announcements by their lenders...
Persistent link: https://www.econbiz.de/10013173241
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Help in a foreign land : internationalized banks and firms' export
Brancati, Emanuele - 2022
's domestic bank by an internationalized banking group. Our results show that, after the acquisition, firms have a significantly … higher probability of starting export in countries where the consolidated bank has a foreign branch, which proxies for the … mainly reduce firms' fixed entry costs in a foreign market. The analysis also shows that other channels, such as bank credit …
Persistent link: https://www.econbiz.de/10013332105
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Trust in public institutions over the business cycle
Stevenson, Betsey; Wolfers, Justin - 2011
We document that trust in public institutions "and particularly trust in banks, business and government" has declined over recent years. U.S. time series evidence suggests that this partly reflects the pro-cyclical nature of trust in institutions. Cross-country comparisons reveal a clear legacy...
Persistent link: https://www.econbiz.de/10009233928
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Executive compensation and competition in the banking and financial sectors
Cuñat, Vicente (contributor); Guadalupe, Maria (contributor) - 2004 - [Elektronische Ressource]
Persistent link: https://www.econbiz.de/10002035589