system is to promote the capital development of the economy. By this he did not simply mean that banks should finance …

banking sector. Precisely, it is questioned whether currently employed systemic risk indicators are able to account for banks … evidence of intra-sectoral behavioral shifts across time. The distinctiveness of banks' behavior in these three episodes …

, lending rates, asset prices and credit interact with each other and with the real economy. The empirical results suggest that … increases in capital requirements under Basel III are found to have significant effects especially on house prices and credit. I …

importance of house prices and credit in affecting the likelihood of a financial crisis. Estimating a set of multivariate logit … models, we find that booms in credit to both households and non-financial enterprises are important to account for when … power for domestic financial stability. Finally, econometric measures of bubble-like behavior in housing and credit markets …

encourage consumption, effecting over 100 million consumers. We use a unique dataset of credit cards transaction to study the …

that banks require collateral from observably riskier borrowers (lender selection effect), while lower risk premiums arise …

, primarily by community banks. The survey evidence suggests that the use of credit scores in small business lending by community … banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business …The literature has documented a positive relationship between the use of credit scoring for small business loans and …

acquiring banks value profitable, high-growth, and low-risk targets. We also find that the strength of bank regulation and … regimes and stronger deposit insurance schemes lower the takeover premiums paid by acquiring banks. This result, presumably in …

An important theoretical literature motivates collateral as a mechanism that mitigates adverse selection, credit …