capital adequacy ratios have remained unchanged. Off-balance sheet transactions using lower credit quality assets to … Bank's expansion of arbitraged credit lines into high risk areas has forced the bank to increase Treasury assets 100 …

billion to examine whether the fintech lending platform could expand credit access to consumers. We find that LendingClubâ …

Estimating expected credit losses on banks' portfolios has long been difficult. The issue has become of increasing … develops a measure of the one-year-ahead expected rate of credit losses (ExpectedRCL) that combines various measures of credit … of expected credit losses. ExpectedRCL performs substantially better than net charge-offs in predicting one …

stressed credit markets and confirms their superior performance in explaining the behavior of Credit Default Swap rates for the …

– spread, amount, maturity, collateral, and covenants –suggesting increased credit supply to borrowers of bailed-out banks at …

. The credit-enhancement channel predicts a positive relation between banks' CDS selling and loan sales. Using syndicated … substitute channel, and the credit-enhancement channel plays an important role in bank loan sales …