In 2011, Colombia instituted a tax on repayment of bank loans, which increased the cost of short-term bank credit more … bank liquidity shocks …

Using exogenous deposit windfalls from oil and natural gas shale discoveries, we demonstrate that bank branch networks … help integrate U.S. lending markets. We find that banks exposed to shale booms increase their mortgage lending in non …

This paper shows that securitization reduces the influence of bank financial condition on loan supply. Low-cost funding … and increased balance-sheet liquidity raise bank willingness to approve mortgages that are hard to sell (jumbo mortgages … the mortgage secondary market fostered by securitization has reduced the impact of local funding shocks on credit supply …

This paper shows that securitization reduces the influence of bank financial condition on loan supply. Low-cost funding … and increased balance-sheet liquidity raise bank willingness to approve mortgages that are hard to sell (jumbo mortgages … the mortgage secondary market fostered by securitization has reduced the impact of local funding shocks on credit supply …

increased credit to unaffected parts of the conforming-mortgage market. Banks responded by reallocating provision of speculative … mortgage credit across their local markets, which in turn affected their provision of small business credit. These adjustments …