educational attainment affects bank credit decisions and subsequent individual and firm outcomes. Our results highlight a "Matthew …

We analyze the root causes of the current crisis by studying the determinants of bank lending standards in the Euro … Area using the answers from the confidential Bank Lending Survey, where national central banks request quarterly …-term interest rates on bank risk-taking, even when we instrument securitization. Moreover, short-term rates – directly and in …

bank lending and risk-taking channels of monetary policy by exploiting – Italian's unique – credit and security registers …

the security level for each bank in each period, we find that during the crisis, banks with higher trading expertise …

-regulated, more fragile nonbanks. The bank-to-nonbank shift largely neutralizes total credit and associated consumption effects for …

This study examines empirically the information content of the euro area Bank Lending Survey for aggregate credit and … leading indicator for euro area bank credit and real GDP growth. Notwithstanding the short history of the survey, the findings … results are supportive of the existence of a bank lending, balance sheet, and risk-taking channel of monetary policy. They …

Using a unique dataset of the Euro area and the U.S. bank lending standards, we find that low (monetary policy) short … securitization activity, weak supervision for bank capital and too low for too long monetary policy rates. Conversely, low long … origins of the crisis and have important policy implications. - Lending standards ; monetary policy ; securitization ; bank …

the security level for each bank in each period, we find that during the crisis, banks with higher trading expertise …