educational attainment affects bank credit decisions and subsequent individual and firm outcomes. Our results highlight a "Matthew … likely to apply for credit, and receive higher credit scores, and better lending terms. Via this credit channel, such …

-dealers when they are more profitable. These results allow for a better understanding of banks' credit risk management. …

While some credit booms are followed by economic underperformance, many are not. Can lending standards help separate … good credit booms from bad credit booms contemporaneously? To observe lending standards internationally, I use information … HY share is procyclical, suggesting that lending standards in bond markets are extrapolative. Credit booms with …

, in the context of the eurozone periphery, the increase in domestic government bond holdings, the reduction of bank credit …

spreads to assess the transmission of credit risk to the non-financial corporate sector. Our findings suggest a sectoral …