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Asymmetric information and the securitization of SME loans
Albertazzi, Ugo; Bottero, Margherita; Gambacorta, Leonardo - 2021
effects of asymmetric information. Third, using data for firms that maintain multiple bank relationships, we obtain … characterised by a limited commitment to exert costly monitoring by the bank …
Persistent link: https://www.econbiz.de/10012487672
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Macroprudential Policy and Bank Risk
Altunbas, Yener - 2017
This paper investigates the effects of macroprudential policies on bank risk through a large panel of banks operating … macroprudential tools have a significant impact on bank risk. Second, the responses to changes in macroprudential tools differ among … for bank-specific characteristics, macroprudential policies are more effective in a tightening than in an easing episode …
Persistent link: https://www.econbiz.de/10012953769
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Structural Bank Regulation Initiatives : Approaches and Implications
Gambacorta, Leonardo - 2013
The paper examines the basic rationale and features of the proposals adopted to separate specific investment and commercial banking activities (Volcker rule, Vickers and Liikanen proposals). In particular, it focuses on the likely implications of such initiatives for: (i) financial stability and...
Persistent link: https://www.econbiz.de/10013081961
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Foreign Banks, Liquidity Shocks, and Credit Stability
Belton, Daniel - 2020
bank balance sheet data and a rich data set of syndicated loans with borrower and lender characteristics to show that …
Persistent link: https://www.econbiz.de/10012840118
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How Post-Crisis Regulation Has Affected Bank CEO Compensation
Cerasi, Vittoria - 2017
This paper assesses whether compensation practices for bank Chief Executive Officers (CEOs) changed after the Financial …
Persistent link: https://www.econbiz.de/10012957852
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How Post-Crisis Regulation Has Affected Bank CEO Compensation
Cerasi, Vittoria - 2018
This paper assesses whether compensation practices for bank Chief Executive Officers (CEOs) changed after the Financial …
Persistent link: https://www.econbiz.de/10012934130
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The Impact of Fintech Lending on Credit Access for U.S. Small Businesses
Cornelli, Giulio; Frost, Jon; Gambacorta, Leonardo; … - 2022
scoring. Using Y-14M loan-level bank data, we also compare fintech SBL with traditional bank business cards in terms of credit …
Persistent link: https://www.econbiz.de/10013291545
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Structural bank regulation initiatives: approaches and implications
Gambacorta, Leonardo; Rixtel, Adrian van - In: BANCARIA 06 (2013) June
The paper examines the basic rationale and features of the proposals adopted to separate specific investment and commercial banking activities (Volcker rule, Vickers and Liikanen proposals). In particular, it focuses on the likely implications of such initiatives for: financial stability and...
Persistent link: https://www.econbiz.de/10010758371
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Leverage and Risk Weighted Capital Requirements
Gambacorta, Leonardo - 2016
The global financial crisis has highlighted the limitations of risk-sensitive bank capital ratios. To tackle this … steady state value of the regulatory minima for the two ratios strongly depends on the riskiness and the composition of bank …
Persistent link: https://www.econbiz.de/10012981563
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Privacy Regulation and Fintech Lending
Doerr, Sebastian; Gambacorta, Leonardo; Guiso, Luigi; … - 2023
This paper studies how the California Consumer Privacy Act (CCPA), a comprehensive privacy law that grants users control over their data, affects fintech lending. To develop hypotheses we build a parsimonious screening model. Consumers apply for loans with banks and a fintech that has a superior...
Persistent link: https://www.econbiz.de/10014254641