traditional loan pricing model, this new proposed one, requiring lower loan interest rates from customers with higher credit … rating, while higher loan interest rates from customers with lower credit rating, could thus be able to provide higher risk …

We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link … a federally-declared natural disaster, to a panel of credit records before and after the shock. We exploit a … approved. Using an instrumented difference-in-differences research design, we find that credit provision at the time of a shock …

,000 retail mortgage applications, I analyze the effect of risk management involvement on loan default rates. The bank requires …