. Using hazard analysis, we show that bank failure is about 45% less likely in the year leading up to an election. Political … control (i.e. lack of competition) can explain all of this average election year fall in the hazard rate. In particular, we … simultaneous control of the upper- and lower-house of the state legislature (i.e. complete control) heading into an election …

-demographic borrower groups are more likely to be financially constrained than others. In Germany, especially in the mortgage market … market. This is the first study of credit constraints in the mortgage market in Germany focusing on those socio …-demographic borrower specifics that are most relevant within the context of the well documented demographic trends in Germany towards an …