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Consumer-Lending Discrimination in the Fintech Era
Bartlett, Robert P. - 2019
Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of racial/ethnic discrimination in the largest...
Persistent link: https://www.econbiz.de/10012858947
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Trust in Lending
Thakor, Richard T. - 2018
competitive interactions between banks and non-bank lenders (fintech firms). Trust enables lenders to have assured access to …
Persistent link: https://www.econbiz.de/10012915235
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Fintech Lending
Berg, Tobias; Fuster, Andreas; Puri, Manju - 2021
In this paper, we review the growing literature on FinTech lending – the provision of credit facilitated by technology that improves the customer-lender interaction or lenders’ screening and monitoring of borrowers. FinTech lending has grown rapidly, though in developed economies like the...
Persistent link: https://www.econbiz.de/10013322221
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Does Competition Encourage Credit Provision? Evidence from African Trade Credit Relationships
Fisman, Raymond J.; Raturi, Mayank - 2021
Previous work has claimed that monopoly power facilitates the provision of credit, since monopolists are better able to enforce payment. Here, we argue that if relationship-specific investments are required by borrowers to establish creditworthiness, monopoly power may reduce credit provision...
Persistent link: https://www.econbiz.de/10013226905
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Does Fintech Substitute for Banks? Evidence from the Paycheck Protection Program
Erel, Isil - 2020
Protection Program (PPP). We find that FinTech is disproportionately used in ZIP codes with fewer bank branches, lower incomes …
Persistent link: https://www.econbiz.de/10012826130
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Fintech, Bigtech, and the Future of Banks
Stulz, René - 2019
uneven playing field enables non-bank FinTech firms to challenge banks for specific products whose success is not tied to …
Persistent link: https://www.econbiz.de/10012858778
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Liquidity Rules and Credit Booms
Hachem, Kinda - 2016
We show that stricter bank liquidity standards can trigger unintended credit booms when there is heterogeneity in …
Persistent link: https://www.econbiz.de/10013001209
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Bank Market Power and Monetary Policy Transmission : Evidence from a Structural Estimation
Wang, Yifei; Whited, Toni M.; Wu, Yufeng; Xiao, Kairong - 2021
We quantify the impact of bank market power on monetary policy transmission through banks to borrowers. We estimate a …-through of these costs to borrowers and depositors, while facing capital and reserve regulation. We find that bank market power … explains much of the transmission of monetary policy to borrowers, with an effect comparable to that of bank capital regulation …
Persistent link: https://www.econbiz.de/10013310245
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Did the Community Reinvestment Act (Cra) Lead to Risky Lending?
Agarwal, Sumit - 2012
Yes, it did. We use exogenous variation in banks' incentives to conform to the standards of the Community Reinvestment Act (CRA) around regulatory exam dates to trace out the effect of the CRA on lending activity. Our empirical strategy compares lending behavior of banks undergoing CRA exams...
Persistent link: https://www.econbiz.de/10013096848
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The Effects of Reconstruction Finance Corporation Assistance on Michigan's Banks' Survival in the 1930s
Calomiris, Charles W. - 2012
bank failure rates in Michigan during the period 1932-1934, which includes the important Michigan banking crisis of early … purchases (the policy tool employed after March 1933) on bank failure rates. Our estimates treat the receipt of RFC assistance … assistance that are not directly related to failure risk) for analyzing the effects of RFC assistance on bank survival. We find …
Persistent link: https://www.econbiz.de/10013100128