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Default, insurance, and debt over the life-cycle
Athreya, Kartik B. - In: Journal of monetary economics 55 (2008) 4, pp. 752-774
Persistent link: https://www.econbiz.de/10003764766
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The growth of unsecured credit : are we better off?
Athreya, Kartik B. - In: Economic quarterly 87 (2001) 3, pp. 11-33
Persistent link: https://www.econbiz.de/10001765702
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Insolvenz des Leasingnehmers und Wirksamkeit von Kreditsicherheiten im Lichte des Verbraucherkreditgesetzes
Scherer, Josef - In: Betriebs-Berater : BB 53 (1998) 43, pp. 2169-2175
Persistent link: https://www.econbiz.de/10001251770
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The Growth of Unsecured Credit : Are We Better Off?
Athreya, Kartik - 2012
Because of current bankruptcy law, the growth in unsecured credit in the two decades since the 1978 Marquette Supreme Court ruling has reduced the average welfare of the poor. This striking conclusion emerges from a theoretical model designed to maximize the benefits of both plentiful unsecured...
Persistent link: https://www.econbiz.de/10013097309
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Economics of Bankruptcy Exemption : Signaling Value of Collateral, Cost of Credit and Access to Credit
Arca, Pasqualina - 2019
adverse selection (AS). In particular, we study how the level of such exemption affects the role of collateral depending on … higher for borrowers who are requested to post collateral. Moreover, conditional on posting collateral, the cost of credit … does not change with the level of asset exemption. Differently, in the case of AS, the decision to post collateral results …
Persistent link: https://www.econbiz.de/10012862259
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Lending standards and borrowing premia in unsecured credit markets
Dempsey, Kyle P.; Ionescu, Felicia - 2021
Persistent link: https://www.econbiz.de/10012609347
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Individual and local effects of unemployment on mortgage sefaults
Rendón, Sílvio; Bazer, Kevin - 2021
Persistent link: https://www.econbiz.de/10012744672
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Consumer credit with over-optimistic borrowers
Exler, Florian; Livshits, Igor; MacGee, James; Tertilt, … - 2021
Persistent link: https://www.econbiz.de/10012744686
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P2P lending scoring models : do they predict default?
Giudici, Paolo; Hadji Misheva, Branka - In: Journal of digital banking 2 (2017/2018) 4, pp. 353-368
Persistent link: https://www.econbiz.de/10011880477
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Credit, bankruptcy, and aggregate fluctuations
Nakajima, Makoto; Ríos-Rull, José-Víctor - 2019
We document the cyclical properties of unsecured consumer credit (procyclical and volatile) and of consumer bankruptcies (countercyclical and very volatile). Using a growth model with household heterogeneity in earnings and assets with access to unsecured credit (because of bankruptcy costs) and...
Persistent link: https://www.econbiz.de/10012197797