How much of the heterogeneity in bank loan pricing is explained by disparities in banks’ attitude towards risk? The … answer to this question is not simple because there are only very weak proxies for gauging the degree of a bank’s risk … confirm that disparities in market power, banks’ funding costs, and banks’ funding risks are reflected in bank lending rates …

overnight unsecured loans. Using proprietary bank-level data, we find that interbank rate uncertainty significantly raises … and the 2010-2012 European sovereign crisis. This effect is attenuated for banks with lower credit risk, sounder capital … positions and greater access to central bank funding …

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 …We propose a new methodology to identify aggregate demand and supply shocks in the bank loan market. We present a model … largely explained by demand shocks. Fluctuations in lending rates were instead mostly determined by bank-driven supply shocks …

This paper presents evidence that personal relationships between corporate borrowers and bank loan officers improve the … outcomes of loan renegotiation. Analysing a bank reorganization in Greece in the mid-2010s, I find that firms that experience …

-sponsored mortgage guarantees by Fannie Mae and Freddie Mac …

restrictions and the credit spread as a threshold variable using the example of the Czech Republic. We find that while there is no … to differ in low and high credit spread regimes. Responses in the opposite direction (i.e. from the financial sector to … the real economy) are procyclical and similar irrespective of regime. A positive shock to credit and a negative shock to …

overnight repurchase agreements (repo) and loan-level credit registry data on corporate loans. We find that borrowers on the …

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 …