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The Information Revolution and Small Business Lending : The Missing Evidence
DeYoung, Robert - 2014
This paper provides empirical confirmation for Petersen and Rajan's (2002) widely accepted conjecture that information technology was the primary driver of the observed increase in small business borrower-lender distances in the United States in recent years. Using a different data source for...
Persistent link: https://www.econbiz.de/10013070141
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The information revolution and small business lending : the missing evidence
DeYoung, Robert; Frame, W. Scott; Glennon, Dennis C.; … - 2010
This paper provides empirical confirmation for Petersen and Rajan's (2002) widely accepted conjecture that information technology was the primary driver of the observed increase in small business borrower-lender distances in the United States in recent years. Using a different data source for...
Persistent link: https://www.econbiz.de/10008664621
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Risk Overhang and Loan Portfolio Decisions : Small Business Loan Supply Before and During the Financial Crisis
DeYoung, Robert - 2015
We estimate a structural model of bank portfolio lending and find that the typical U.S. community bank reduced its … effects (consistent with a reduction in the liquidity of assets held on bank balance sheets) and by reduced loan supply …
Persistent link: https://www.econbiz.de/10013036540
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Small business lending and social capital : are rural relationships different?
DeYoung, Robert; Glennon, Dennis C.; Nigro, Peter J.; … - In: Journal of entrepreneurial finance : JEF ; official … 21 (2019) 2, pp. 99-136
We test whether rural versus urban location, and the amount of social capital present in those locations, influence the performance of Small Business Administration (SBA) 7(a) loans originated between 1984 and 2012. On average, we find that rural loans are about 11% less likely to default than...
Persistent link: https://www.econbiz.de/10012254569
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Bank Liquidity Management and Bank Capital Shocks
DeYoung, Robert - 2017
The Basel III Accord imposes minimum liquidity standards on bank balance sheets that are already constrained by minimum … that resulted in greater balance sheet liquidity. Thus, in the state of nature that has traditionally most concerned bank … regulators (i.e., stress to bank equity capital), community banks increase their liquidity buffers. Given that these lenders do …
Persistent link: https://www.econbiz.de/10012952482
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Risk overhang and loan portfolio decisions
DeYoung, Robert (contributor); Gron, Anne (contributor);  … - 2005
Bank of Chicago web site …
Persistent link: https://www.econbiz.de/10003101068
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Borrower-lender distance, credit scoring, and loan performance : evidence from informational-opaque small business borrowers
DeYoung, Robert; Glennon, Dennis C.; Nigro, Peter J. - In: Journal of financial intermediation 17 (2008) 1, pp. 113-143
Persistent link: https://www.econbiz.de/10003742421
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Risk overhang and loan portfolio decisions : small business loan supply before and during the financial crisis
DeYoung, Robert; Gron, Anne; Torna, Gökhan; Winton, Andrew - In: The journal of finance : the journal of the American … 70 (2015) 6, pp. 2451-2488
Persistent link: https://www.econbiz.de/10011411361
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Advertising and Pricing at Multiple-Output Firms: Evidence from US Thrift Institutions
DeYoung, Robert; Örs, Evren - C.E.P.R. Discussion Papers - 2004
We derive five hypotheses regarding market competition, price, and advertising from a theoretical model of a profit maximizing depository institution, and test these conjectures in a simultaneous system of deposit interest rates and advertising expenditures for a data panel of 1,867 thrift...
Persistent link: https://www.econbiz.de/10005791273
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The information revolution and small business lending: The missing evidence
DeYoung, Robert; Frame, W. Scott; Glennon, Dennis; … - 2010
This paper provides empirical confirmation for Petersen and Rajan's (2002) widely accepted conjecture that information technology was the primary driver of the observed increase in small business borrower-lender distances in the United States in recent years. Using a different data source for...
Persistent link: https://www.econbiz.de/10010292309