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Fintech vs bank credit: how do they react to monetary policy?
Cornelli, Giulio; De Fiore, Fiorella; Gambacorta, Leonardo - 2023
Persistent link: https://www.econbiz.de/10014463773
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Fintech vs bank credit : how do they react to monetary policy?
Cornelli, Giulio; De Fiore, Fiorella; Gambacorta, Leonardo - In: Economics letters 234 (2024), pp. 1-3
Persistent link: https://www.econbiz.de/10015066386
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Finance and technology : what is changing and what is not
Cecchetti, Stephen G.; Schoenholtz, Kermit L. - 2020
Persistent link: https://www.econbiz.de/10012309247
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Monetary policy shocks and peer-to-peer lending in China
Funke, Michael; Li, Xiang; Tsang, Andrew - 2019
Granger-cause the credit amount in the P2P lending market. …
Persistent link: https://www.econbiz.de/10012161128
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Fed liftoff and subprime loan interest rates : evidence from the peer-to-peer lending market
Bertsch, Christoph; Hull, Isaiah; Zhang, Xin - 2016
inclusion of a broad set of loan-level controls and fixed effects. We also find that the spread between high and low credit …
Persistent link: https://www.econbiz.de/10011457389
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Technological innovation and the bank lending channel of monetary policy transmission
Hasan, Iftekhar; Li, Xiang; Takalo, Tuomas - Leibniz-Institut für Wirtschaftsforschung Halle - 2023 - This version: 23.11.2023
This paper studies whether and how banks’ technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms’ earning-based borrowing constraints and thereby enlarges the...
Persistent link: https://www.econbiz.de/10014429944
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Technological innovation and the bank lending channel of monetary policy transmission
Hasan, Iftekhar; Li, Xiang; Takalo, Tuomas - 2023
This paper studies whether and how banks' technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms' earning-based borrowing constraints and thereby enlarges the response...
Persistent link: https://www.econbiz.de/10014443832
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On the fragility of DeFi lending
Chiu, Jonathan; Ozdenoren, Emre; Yuan, Kathy; Zhang, … - 2023 - Last updated: February 22, 2023
We develop a dynamic model of decentralized finance (DeFi) lending that incorporates two/these key features: 1) borrowing and lending are decentralized, anonymous, overcollateralized and backed by the market value of crypto assets where contract terms are pre-specified and rigid; and 2)...
Persistent link: https://www.econbiz.de/10014232356
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FinTech, Banking and Monetary Policy Transmission
Zhu, Yueteng; Lu, Jiajun - 2023
This study investigates whether and how FinTech influences retail banking and the effectiveness of monetary policy … transmission, with a focus on the competition between FinTech companies and banks in the deposit market. Using proprietary data … from a leading Chinese FinTech company, we study a money market fund with deposit-like features, available through a widely …
Persistent link: https://www.econbiz.de/10014257662
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Designing central bank digital currencies
Agur, Itai; Ari, Anil; Dell'Ariccia, Giovanni - In: Journal of monetary economics 125 (2022), pp. 62-79
Persistent link: https://www.econbiz.de/10013350518