Showing 1 - 10 of 319
lending portfolios. Using granular credit register data and detailed information on firm-level greenhouse gas emission …
Persistent link: https://www.econbiz.de/10014482925
monetary policy does alter bank loan supply, with the effects most dependent on the liquidity of individual banks. Unlike in … the US, the size of a bank does generally not explain its lending reaction. We also show that the standard publicly …
Persistent link: https://www.econbiz.de/10013134951
Persistent link: https://www.econbiz.de/10012991292
estimate the impact of the ECB's dividend recommendation on bank lending and risk-taking. To address identification issues, we … rely on credit registry data and a direct measure that captures variation in compliance with the recommendation across … fiscal policies that supported credit during the Covid-19 downturn and investigates their interaction with the dividend …
Persistent link: https://www.econbiz.de/10014278602
, which is the risk that a new technology has negative spillovers on the value of a bank's legacy loan portfolio. Using both … overhang. These results hold for two distinct measures of asset overhang and using bank mergers as a source of exogenous … variation in bank specialization. We further show that these heterogeneous effects arise through financial contracting. Overall …
Persistent link: https://www.econbiz.de/10015069888
Using credit register data for loans to Italian firms we test for the presence of asymmetric information in the …. We can disentangle the adverse selection from the moral hazard component for the many firms with multiple bank …-securitized ones. Thus, despite the presence of asymmetric information, our results do not accord with the view that credit …
Persistent link: https://www.econbiz.de/10012966394
developing innovative means of providing SME finance. This includes the growth of fintech credit, big tech providers, and new …This study gives an overview of recent innovations in the financing of small and medium-sized enterprises (SMEs) in … Asia. While SMEs are an important contributor to employment and gross domestic product in Asia, they often face significant …
Persistent link: https://www.econbiz.de/10012119148
scoring. Using Y-14M loan-level bank data, we also compare fintech SBL with traditional bank business cards in terms of credit … internal credit scoring. We use proprietary loan-level data from two fintech SBL platforms (Funding Circle and LendingClub) to …’ internal credit scores were able to predict future loan performance more accurately than the traditional approach to credit …
Persistent link: https://www.econbiz.de/10013291545
monetary policy does alter bank loan supply, with the effects most dependent on the liquidity of individual banks. Unlike in … the US, the size of a bank does generally not explain its lending reaction. We also show that the standard publicly … ihres Liquiditätsgrads variiert. Im Gegensatz zu den USA ist im Allgemeinen die Größe einer Bank kein direkter …
Persistent link: https://www.econbiz.de/10011419463
This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit … supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and … funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and …
Persistent link: https://www.econbiz.de/10012864779