Narrow search
Showing 1 - 10 of 7,782
Cover Image
Competition and adverse selection in the small-dollar loan market : overdraft versus payday credit
Melzer, Brian T.; Morgan, Donald P. - 2009 - Rev.
We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the availability of “free” checking accounts. We attribute this rise in prices partly to adverse selection created by banks’ practice of charging a flat fee regardless of the...
Persistent link: https://www.econbiz.de/10003947557
Cover Image
Competition and Adverse Selection in the Small-Dollar Loan Market : Overdraft versus Payday Credit
Melzer, Brian; Morgan, Donald P. - 2010
We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the availability of “free” checking accounts. We attribute this rise in prices partly to adverse selection created by banks’ practice of charging a flat fee regardless of the...
Persistent link: https://www.econbiz.de/10014204039
Cover Image
Empirical Investigation of Loans Loss Provisions Through Accounting and Macroeconomic Factors : The Case of Greek Banking System
Makri, Vasiliki - 2013
The aim of the present study is to investigate the loan portfolio quality of the Greek banking system. In our days, loan quality threatens the financial well-being and the soundness of banking institutions globally. However, Greece is under surveillance due to its severe ongoing sovereign debt...
Persistent link: https://www.econbiz.de/10013081621
Cover Image
Distrust in Banks and Fintech Participation : The Case of Peer-to-Peer Lending
Saiedi, Ed - 2020
and away from bank deposits. We highlightthat a distrust mindset promotes questioning default choices and considering …
Persistent link: https://www.econbiz.de/10012852867
Cover Image
Shadow Banking, Relationship Banking, and the Economics of Depression
Bianco, Antonio - 2018
The paper explores whether a theory of banks doing ‘finance through money creation' implies a reconsideration of demand-side macro theory as well. To this aim, a simple methodological accounting model of the influence of financial markets over the real economy is presented. The model allows a...
Persistent link: https://www.econbiz.de/10012930485
Cover Image
Banks and negative interest rates
Heider, Florian; Saidi, Farzad; Schepens, Glenn - 2021
how the transmission depends on bank balance sheets, and how this changes once policy rates become negative. We review the …
Persistent link: https://www.econbiz.de/10012518247
Cover Image
Industry Competition and Bank Lines of Credit
Hu, Maggie - 2014
Motivated by a debate on the effect of debt on firms' product market performance, I examine the effect of lines of credit on firms' future profits. Consistent with the notion that lines of credit provide firms with unique financial flexibility and enhance their strategic position within the...
Persistent link: https://www.econbiz.de/10013043556
Cover Image
The Community Reinvestment Act in the Age of Fintech and Bank Competition
Zuluaga, Diego - 2020
loans for home buyers and small businesses, and restrictions on bank branching posed a high barrier to competition. Today … — leading to a 77 percent increase in the number of bank offices since the CRA's passage. Furthermore, a growing share of … their CRA evaluations — contravening the CRA's requirement that lending be consistent with bank safety and soundness. In …
Persistent link: https://www.econbiz.de/10012846234
Cover Image
Fintech and Bank competition : The role of screening technology and collateral requirements
Serfes, Konstantinos - 2022
, we show that fintech loans to entrepreneurs are more likely to be unsecured and short-term while bank loans are expected …
Persistent link: https://www.econbiz.de/10013294499
Cover Image
Organizational Culture, Competition and Bank Loan Loss Provisions
Luu, Hiep; Nguyen, Linh; Wilson, John O. S. - 2022
This paper investigates how banks with different organizational cultures (defined as either control-dominant, collaborate-dominant, compete-dominant, create-dominant) manage their loan loss provisions (LLPs) in response to intensified industry competition. For identification, we utilise the...
Persistent link: https://www.econbiz.de/10014244788