to activate macroprudential tools targeting excessive credit growth and leverage. To robustly select the key indicators … using credit to GDP gaps, credit to GDP ratios and credit growth rates, as well as real estate variables in addition to a …

of sticky bank-firm relationships, estimate its structural parameters in euro area credit register data, and infer …

-differences strategy for a comparable sample of banks. We find that banks participating in the stress tests reallocate credit away from …

loan officers' compensation, banks' use of soft information in credit approval, and their lending standards. When … more competition, banks lower lending standards, may choose to disregard soft and use only hard information in their credit …

This paper studies the causal effect of gender bias on access to bank credit. We extract an exogenous measure of gender … are more frequently discouraged from applying for bank credit and more likely to rely on informal finance. At the same … not driven by credit risk differences between female- and male-owned firms or by any idiosyncrasies in the set of …

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …