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Screening on Loan Terms : Evidence from Maturity Choice in Consumer Credit
Hertzberg, Andrew - 2017
-term loan, and those who do default less. Additional findings suggest borrowers self-select on private information about their …
Persistent link: https://www.econbiz.de/10012971431
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Screening on Loan Terms : Evidence from Maturity Choice in Consumer Credit
Hertzberg, Andrew; Liberman, Andres; Paravisini, Daniel - 2020
who do default less. Additional findings suggest borrowers self-select on private information about their future ability …
Persistent link: https://www.econbiz.de/10014116640
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Financial consequences of identity theft : evidence from Consumer Credit Bureau records
Blascak, Nathan; Cheney, Julia; Hunt, Robert M.; … - 2018
This paper examines how a negative shock to the security of personal finances due to severe identity theft changes consumer credit behavior. Using a unique data set of consumer credit records and alerts indicating identity theft and the exogenous timing of victimization, we show that the...
Persistent link: https://www.econbiz.de/10011971286
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On the county-level credit outcome beta
Desai, Chintal A.; Elliehausen, Gregory E.; Lawrence, … - In: Journal of financial services research : JFSR 45 (2014) 2, pp. 201-218
Persistent link: https://www.econbiz.de/10010401073
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Non-Performing loans for Italian companies : when time matters. an empirical research on estimating probability to default and loss given default
Orlando, Guiseppe; Pelosi, Roberta - In: International Journal of Financial Studies : open … 8 (2020) 4/68, pp. 1-22
main risk components, the Probability of Default (PD) and the Loss Given Default (LGD) have been the subject of greater …
Persistent link: https://www.econbiz.de/10012321142
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Delinquency and default in usa student debt as a proportional response to unemployment and average debt per borrower
Fuinhas, José Alberto; Moutinho, Victor Ferreira; … - In: Economies : open access journal 7 (2019) 4/100, pp. 1-16
We research the response of the proportion of student borrowers with ninety or more days of delinquency or in default … United States, using panel data of 50 states from 2008 to 2015. The proportion of borrowers with delinquency or default was … average debt per borrower are statistically significant and contribute to increasing delinquency or default in the 50 states …
Persistent link: https://www.econbiz.de/10012132485
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Household financial distress and the burden of "aggregate" shocks
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2020
. Using an empirically disciplined and institutionally rich model of consumer debt and default, we show that in the shocks …
Persistent link: https://www.econbiz.de/10012391177
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Household financial distress and the burden of "aggregate" shocks
Athreya, Kartik B.; Mather, Ryan; Mustre-del-Río, José; … - 2020
Persistent link: https://www.econbiz.de/10012499002
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Optimal use of labor market policies: the role of job search assistance
Wunsch, Conny - 2010
This paper studies the role of job search assistance programs in optimal welfare-to-work programs. The analysis is based on a framework, that allows for endogenous choice of benefit types and levels, wage taxes or subsidies, and activation measures such as monitoring and job search assistance...
Persistent link: https://www.econbiz.de/10010269430
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Optimal use of labor market policies : the role of job search assistance
Wunsch, Conny - 2010
This paper studies the role of job search assistance programs in optimal welfare-to-work programs. The analysis is based on a framework, that allows for endogenous choice of benefit types and levels, wage taxes or subsidies, and activation measures such as monitoring and job search assistance...
Persistent link: https://www.econbiz.de/10003940543