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 …

We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability … data set covering over 160 million credit card accounts, we find that regulatory limits on credit card fees reduced overall … of an offsetting increase in interest charges or a reduction in volume of credit, although we are unable to analyze …

Using transaction-level credit card spending from a leading Chinese commercial bank, we show that consumers prefer …. Overall, our study provides insight into the impact of ESG performance on credit card spending …

Using individual-level credit card data from a Singapore financial institution, this paper investigates the … existing unsecured credit induces the credit card revolvers to reduce their monthly credit card balance by 211 SGD (or 10 ….2%) more after the policy announcement relative to non-revolvers. A 188 SGD (or 9.9%) decrease in credit card debt makes a …

, relaxing credit margins to their larger debtors in the sector. An increase of one standard deviation in a bank's ex … 6 percent, even though borrower's credit default swap spreads were widening. Highly exposed banks amplified this sector … could not switch credit suppliers. Finally, the energy price shock had a large negative impact on macro outcomes, especially …