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The effect of banks' financial position on credit growth : evidence from OECD countries
Rappoport, David E. - 2016
This paper presents empirical evidence on the effect of banks' financial position on credit growth using a sample of 29 … most important predictor of credit growth in the current year. The relationship between capital and credit growth is non … (decrease) in capital is associated with an increase (decrease) of 0.8 (0.3) percentage points in credit growth upon impact and …
Persistent link: https://www.econbiz.de/10011579142
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CECL and the credit cycle
Loudis, Bert; Ranish, Ben - 2019
We find that that the Current Expected Credit Loss (CECL) standard would slightly dampen fluctuations in bank lending … predictability of credit losses …
Persistent link: https://www.econbiz.de/10012182062
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Understanding bank and nonbank credit cycles : a structural exploration
Durdu, Ceyhun Bora; Zhong, Molin - 2019
We explore the structural drivers of bank and nonbank credit cycles using an estimated medium-scale macro model that … potentially drive bank and nonbank credit growth. We find that sectoral shocks affecting the balance sheets of entrepreneurs who … borrow from the financial sector are important for the business cycle frequency fluctuations in bank and nonbank credit …
Persistent link: https://www.econbiz.de/10012181042
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Improving the 30-year fixed-rate mortgage
Passmore, Stuart Wayne; Haften, Alexander H. von - 2017 - Current draft 8/18/2017
The 30-year fixed-rate fully amortizing mortgage (or "traditional fixed-rate mortgage") was a substantial innovation when first developed during the Great Depression. However, it has three major flaws. First, because homeowner equity accumulates slowly during the first decade, homeowners are...
Persistent link: https://www.econbiz.de/10011802976
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Tying loan interest rates to borrowers' CDS spreads
Ivanov, Ivan T.; Santos, João A. C.; Vo, Thu - 2014
Persistent link: https://www.econbiz.de/10011280246
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Bank core deposits and the mitigation of monetary policy
Black, Lamont; Hancock, Diana; Passmore, Stuart Wayne - 2007
Persistent link: https://www.econbiz.de/10003828728
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The transmission of monetary policy through bank lending : the floating rate channel
Ippolito, Filippo; Ozdagliy, Ali K.; Pérez, Ander - 2016
Persistent link: https://www.econbiz.de/10011708496
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Multimarket bank pricing : an empirical investigation of deposit interest rates
Hannan, Timothy H. (contributor);  … - 2004
"In recent years, the number of large, geographically diversified banking organizations operating in the U.S. has grown. Empirical studies have found that, at least in the case of deposit interest rates, many of these banks offer the same rate for a given type of account throughout a state, or,...
Persistent link: https://www.econbiz.de/10002120339
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Multimarket bank pricing : an empirical investigation of deposit interest rates
Hannan, Timothy Hale; Prager, Robin A. - 2004
Persistent link: https://www.econbiz.de/10002131021
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Shock transmission through cross-border bank lending : credit and real effects
Hale, Galina; Kapan, Tümer; Minoiu, Camelia - 2019
countries experiencing systemic banking crises on profitability, credit, and the performance of borrower firms. Crisis exposures … reduce bank returns and tighten credit conditions for borrowers, constraining investment and growth. The effects are larger …
Persistent link: https://www.econbiz.de/10012181946