We show that bank risk rises, particularly for larger banks and those with greater interest-sensitive liabilities … adverse selection and moral hazard problems leading to higher bank risk. The revenue diversification channel suggests that as … exacerbating bank risk …

This paper studies a type of mortgage applications in which household applicants reject offers from lenders. We find …

deposit account makes a household more likely to hold deposits at the same bank later despite better alternatives and more …

limitations - the empirical study relies on the country's macroeconomic indicators that influence household borrowing. Such … useful for the future research within the household borrowing trends, especially in Peer-to-Peer platforms, and specifically …/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …

and the 2010-2012 European sovereign crisis. This effect is attenuated for banks with lower credit risk, sounder capital …

proposals that aim to reduce inefficient risk taking behaviour of banks …