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Benefits of relationship banking: Evidence from consumer credit markets
Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; … - 2009
This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit markets. Using a unique panel dataset that contains comprehensive information about the relationships between a large bank and its credit card customers, we estimate the effects of...
Persistent link: https://www.econbiz.de/10010292093
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Do we need central bank digital currency? Economics, technology and institutions
Gnan, Ernest (contributor); Masciandaro, Donato (contributor) - 2018
Persistent link: https://www.econbiz.de/10011985213
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Operational efficiency of bank loans and deposits: A case study of Vietnamese banking system
Nguyen, Tram; Tripe, David - In: International Journal of Financial Studies 6 (2018) 1, pp. 1-13
This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking … system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter …-bank money markets are relatively underdeveloped, one would expect a reasonably strong relationship between deposits and loans. A …
Persistent link: https://www.econbiz.de/10011996079
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Polish cooperative banks as net lenders in the money market
Golec, Maria Magdalena; Płuciennik, Piotr - In: e-Finanse: Financial Internet Quarterly 13 (2017) 4, pp. 27-36
transfers in those banks understood as the excess of deposits from customers over loans given to them. The purpose of the … group deposits exceed loans and the phenomenon continues to grow and it has been observed in over three quarters of the …
Persistent link: https://www.econbiz.de/10012011821
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Reserves for all? Central bank digital currency, deposits, and their (non)-equivalence
Niepelt, Dirk - 2018
I offer a macroeconomic perspective on the "Reserves for All" (RFA) proposal to let the general public use electronic central bank money. After distinguishing RFA from cryptocurrencies and relating the proposal to discussions about narrow banking and the abolition of cash I propose an...
Persistent link: https://www.econbiz.de/10012112080
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Life below zero: Bank lending under negative policy rates
Heider, Florian; Saidi, Farzad; Schepens, Glenn - 2018
that negative rates are less accommodative, and could pose a risk to financial stability, if lending is done by high …
Persistent link: https://www.econbiz.de/10011916877
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Reserves for All? Central Bank Digital Currency, Deposits, and their (Non)-Equivalence
Niepelt, Dirk - 2018
I offer a macroeconomic perspective on the “Reserves for All” (RFA) proposal to let the general public use electronic central bank money. After distinguishing RFA from cryptocurrencies and relating the proposal to discussions about narrow banking and the abolition of cash I propose an...
Persistent link: https://www.econbiz.de/10011931926
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Reserves for all? Central bank digital currency, deposits, and their (non)-equivalence
Niepelt, Dirk - 2018
I offer a macroeconomic perspective on the "Reserves for All" (RFA) proposal to let the general public use electronic central bank money. After distinguishing RFA from cryptocurrencies and relating the proposal to discussions about narrow banking and the abolition of cash I propose an...
Persistent link: https://www.econbiz.de/10011961435
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Deposit competition and mortgage securitization
McGowan, Danny; Nguyen, Huyen; Schaeck, Klaus - 2024
We study how deposit competition affects a bank's decision to securitize mortgages. Exploiting the state-specific removal of deposit market caps across the US as a source of competition, we find a 7.1 percentage point increase in the probability that banks securitize mortgage loans. This result...
Persistent link: https://www.econbiz.de/10014545939
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The household cash-flow effects of monetary policy in Denmark and the euro area
Bovin, Andreas; Jørgensen, Mia Herløv; Kuchler, Andreas; … - 2024
Since 2022 the European Central Bank and Danmarks Nationalbank have increased their key monetary policy rates at a record pace. This study shows that the pass-through to retail rates has been stronger in Denmark than in the euro area so far. Interest rate fixation periods are shorter in Denmark,...
Persistent link: https://www.econbiz.de/10014551617