We propose a new approach to studying the pass-through of credit expansion policies that focuses on frictions, such as … estimating heterogeneous MPBs and MPLs in the U.S. credit card market. Using panel data on 8.5 million credit cards and 743 … credit limit regression discontinuities, we find that the MPB is declining in credit score, falling from 59% for consumers …

Credit underwriting is a dynamic process involving multiple interactions between borrower and lender. During this … equity loans and lines-of-credit applications to study the role of soft and hard information during underwriting. Our dataset … effective in reducing overall portfolio credit losses ex post …

credit lines, while those with higher overdraft fees have larger ones. Firms with greater profit growth in the past have … larger credit lines, while those with more internal funds or higher volatility in profit growth have smaller credit lines …

liquidate collateral affect non-mortgage credit provision in the context of personal loan application. The housing policy …-in-differences estimation and is not driven by changes in local credit demand. Improved collateral liquidity is the key channel driving the … results. Furthermore, the credit expansion does not lead to increased delinquency. Analysing credit statistics data verify …

increased ( 24%). Finally, the bank's imputed credit-default model lost its predictive power. Overall, loan …