Narrow search
Showing 1 - 10 of 4,182
Cover Image
Market Power, Bank Megamergers, And the Welfare of Bank Borrowers
Fraser, Donald R. - 2011
We assess the effects on the welfare of corporate borrowers of the recent wave of bank consolidations in the United States that has produced a small number of very large banks. Our evidence from a sample of more than 3,000 commercial borrowers from banks involved in large mergers indicates that...
Persistent link: https://www.econbiz.de/10013132854
Cover Image
Competition and relationship lending : friends or foes?
Presbitero, Andrea; Zazzaro, Alberto - 2010
Recent empirical findings by Elsas (2005) and Degryse and Ongena (2007) document a U-shaped effect of market concentration on relationship lending which cannot be easily accommodated by the investment and strategic theories of relationship lending. In this paper, we suggest that this...
Persistent link: https://www.econbiz.de/10003979983
Cover Image
Competition and Relationship Lending : Friends or Foes?
Presbitero, Andrea Filippo; Zazzaro, Alberto - 2021
Recent empirical findings by Elsas (2005) and Degryse and Ongena (2007) document a U-shaped effect of market concentration on relationship lending which cannot be easily accommodated by the investment and strategic theories of relationship lending. In this paper, we suggest that this...
Persistent link: https://www.econbiz.de/10013316197
Cover Image
The interrelationship among bank profitability, bank stability, and loan growth : evidence from Vietnam
Le, Tu D. Q. - In: Cogent business & management 7 (2020) 1, pp. 1-18
This study investigates the interrelationship among bank stability, profitability, and loan growth in the Vietnamese … these variables. More specifically, bank profitability is positively associated with bank stability and vice versa. Loan … bank profitability and loan growth. Nonetheless, these findings suggest the trade-off benefit of pursuing massive loan …
Persistent link: https://www.econbiz.de/10012654543
Cover Image
Risk-based pricing in competitive lending markets
Müller, Carola; Juelsrud, Ragnar Enger; Andersen, Henrik - 2021
We use unique data on banks' private risk assessments of corporate borrowers to quantify how competition among banks affect the risk sensitivity of interest rates in the Norwegian credit market. We show that an increase in competition makes corporate lending rates less sensitive to banks' own...
Persistent link: https://www.econbiz.de/10012795608
Cover Image
Market Structure and the Availability of Credit : Evidence from Auto Credit
Lee, Donghoon; Lee, Michael; Orchinik, Reed - 2022
How do changes in market structure impact accessibility to credit? Following the introduction of publicly disclosed Comprehensive Capital Analysis and Review stress tests, market shares of affected banks shrunk by about 2.1 pp. Impact significantly differs across regions, with shares dropping an...
Persistent link: https://www.econbiz.de/10013305907
Cover Image
Capital requirements, market structure, and heterogeneous banks
Müller, Carola - Leibniz-Institut für Wirtschaftsforschung Halle - 2022
Bank regulators interfere with the efficient allocation of resources for the sake of financial stability. Based on this trade-off, I compare how different capital requirements affect default probabilities and the allocation of market shares across heterogeneous banks. In the model, banks‘...
Persistent link: https://www.econbiz.de/10013198370
Cover Image
Market Size Structure and Small Business Lending : Are Crisis Times Different from Normal Times?
Berger, Allen N. - 2014
Conventional wisdom holds that small banks have comparative advantages vis-à-vis large banks in serving small firms, while recent literature suggests this may not be the case. Using a panel of recent US start-ups, we investigate how small bank presence affects these firms in normal times...
Persistent link: https://www.econbiz.de/10013063973
Cover Image
The Impact of the Global Financial Crisis on Mortgage Pricing and Credit Supply
Lou, Weifang (Angela) - 2016
throughout the GFC. Finally, it examines the relation of a bank's home mortgage sales to its mortgage price, pricing strategy and … funding support over different stages of the GFC. We find first that big banks lead the price setting in home loan markets and … the GFC, and the effect is strongly significant. Third, the effects of mortgage price and pricing strategy on mortgage …
Persistent link: https://www.econbiz.de/10013007682
Cover Image
The Impact of Global Financial Crisis on Mortgage Pricing and Credit Supply
Lou, Weifang (Angela) - 2016
across financial institutions and big banks lead in price setting. The GFC significantly changed the pricing behavior …
Persistent link: https://www.econbiz.de/10013008380