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Bank Competition and Information Production
De Marco, Filippo - 2020
We show that competition adversely affects the "specialness" of bank lending. In particular, we observe that the … deregulate interstate branching. The negative effect of competition on the value of bank loans is present only for ex-ante opaque …-off rates on small business loans are higher in deregulated states. Our results suggest that competition decreases loan quality …
Persistent link: https://www.econbiz.de/10012842377
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Bank Competition and Information Production
De Marco, Filippo - 2020
We show that competition adversely affects the ''specialness'' of bank lending. In particular, we observe that the … deregulate interstate branching. The negative effect of competition on the value of bank loans is present only for ex-ante opaque …-off rates on small business loans are higher in deregulated states. Our results suggest that competition decreases loan quality …
Persistent link: https://www.econbiz.de/10012847442
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Why are Bank Runs Sometimes Partial?
Kiema, Ilkka - 2015
European Banking Union …
Persistent link: https://www.econbiz.de/10013021043
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Show Me Yours and I'll Show You Mine : Sharing Borrower Information in a Competitive Credit Market
Bos, Jaap W.B. - 2016
We exploit contract-level data on approved and rejected small-business loans to assess the impact of a new credit registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending at the extensive margin as loan officers reject more...
Persistent link: https://www.econbiz.de/10013004696
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Show Me Yours and I'll Show You Mine : Sharing Borrower Information in a Competitive Credit Market
Bos, Jaap W.B. - 2016
at the extensive margin as more applications are rejected, in particular in areas with strong credit market competition … rates go down in particular in high competition areas and for first-time borrowers. This suggests that a reduction in …
Persistent link: https://www.econbiz.de/10013004833
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The Impact of Positive Information Sharing on Banks’ Lending to Households
Briglevics, Tamas; Karapetyan, Artashes; Ongena, Steven; … - 2022
What is the impact of positive information sharing on households’ access to credit? Exploiting a nation-wide introduction of mandatory information sharing between banks on borrowers` current exposures, we differentiate between borrowers who apply to new banks and those who reapply to banks...
Persistent link: https://www.econbiz.de/10014238103
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Quality of institutions, credit markets and bankruptcy
Hainz, Christa - 2004 - August, 2004 - draft
The number of firm bankruptcies is surprisingly low in economies with poor institutions. We study a model of bank-firm relationship and show that the bank's decision to liquidate bad firms has two opposing effects. First, the bank gets a payoff if a firm is liquidated. Second, it loses the rent...
Persistent link: https://www.econbiz.de/10010440454
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More data, more credit? : information sharing and bank credit to households
Briglevics, Tamás; Karapetyan, Artashes; Ongena, Steven; … - 2024
We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying to competitor banks and those reapplying to their...
Persistent link: https://www.econbiz.de/10014500915
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Stärkerer Wettbewerb unter Kreditauskunfteien: Gesetz soll mehr Transparenz bringen
Jentzsch, Nicola - In: DIW Wochenbericht 75 (2008) 22, pp. 290-297
Der Wettbewerb unter Kreditauskunfteien in Deutschland hat sich in den vergangenen Jahren stark intensiviert. Auskunfteien sammeln persönliche Daten über Verbraucher, die von Kreditinstituten, Leasing- und Telekommunikationsunternehmen, aber auch von Handelsfirmen sowie Energieversorgern...
Persistent link: https://www.econbiz.de/10011601825
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Creditor Rights, Information Sharing, and Borrower Behavior : Theory and Evidence
Boyd, John H. - 2020
This paper provides a comprehensive theoretical and empirical analysis of "creditor rights" and "information sharing" throughout over 1.8 million public and private firms in Europe. We show that many of the outcomes associated with greater levels of creditor rights can be obtained with higher...
Persistent link: https://www.econbiz.de/10012854905