Showing 1 - 10 of 7,323
We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link application data from the U.S. Federal Disaster Loan program, which provides loans to households that have uninsured damages from a federally-declared natural disaster, to a panel...
Persistent link: https://www.econbiz.de/10015053784
), the higher its transition risk. Recent Hungarian trends of this indicator alerts to significantly regrowing risks. …
Persistent link: https://www.econbiz.de/10012613333
We ask if bank supervisors’ efforts to combat climate change affect banks' lending and their borrowers’ transition to the carbon-neutral economy. Combining information from the French supervisory agency’s climate pilot exercise with borrowers' emission data, we first show that banks that...
Persistent link: https://www.econbiz.de/10014546249
. Results of comparative analysis conducted for Poland, Austria, Romania and Hungary indicates that actions taken by the …
Persistent link: https://www.econbiz.de/10011899962
The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and … weather conditions. This paper provides the theoretical framework to study the impact of weather through its influence on bank … manager's mood on bank inefficiency. In particular, we provide empirical evidence of the dynamic interactions between weather …
Persistent link: https://www.econbiz.de/10009565392
An issue that has not been dealt in the literature refers to the relationship between bank loan efficiency and weather … between weather and bank loan efficiency, using a panel data set that includes 69 banks operating in the US spanning the … orthogonalised impulse response functions and variance decompositions, which show responses of the main variables, weather and bank …
Persistent link: https://www.econbiz.de/10013120676
We analyze a model of mortgage markets, housing tenure choice, heterogeneous agents, and default with closed form solutions. We uncover new insights which may inspire empirical work, and we ground already-established insights in a series of tractable expressions. Then we study optimal LTV...
Persistent link: https://www.econbiz.de/10012972322
located closer to the household than non-mortgage relations. Examining the heterogeneity of mortgage relations across …
Persistent link: https://www.econbiz.de/10010407637
study the effects of positive and negative credit supply (CS) shocks on subsequent household defaults on debt over the last … lead to greater household defaults in the future if they also increase mortgage-to-income ratios. We show that the CS shock …-induced (i) shifts of employment between the tradable and non-tradable sectors, (ii) changes in household income and (iii) in …
Persistent link: https://www.econbiz.de/10013231689
limitations - the empirical study relies on the country's macroeconomic indicators that influence household borrowing. Such … useful for the future research within the household borrowing trends, especially in Peer-to-Peer platforms, and specifically …/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …
Persistent link: https://www.econbiz.de/10013348705