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Per-Customer Quantity Limit and Price Discrimination : Evidence from the U.S. Residential Mortgage Market
Ma, Chao - 2020
Theoretically, if firms face a regulatory per-customer quantity limit, they should have an incentive to discriminatively charge high-demand customers higher prices and make them just willing to buy a quantity equal to the limit. In the U.S. residential mortgage industry, mortgages with...
Persistent link: https://www.econbiz.de/10012844370
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Student Quality as Measured by Lsat Scores : Migration Patterns in the U.S. News Rankings Era
Henderson, William D.; Morriss, Andrew P. - 2013
This study examines the change in entering class median LSAT, a key input into the U.S. News & World Report rankings, between 1993 and 2004. Using multivariate regression analysis, the authors model several factors that can influence the direction and magnitude of this change. The study presents...
Persistent link: https://www.econbiz.de/10014065022
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Some Observations on Claims That Rising Market Power Is Responsible for US Economy Ills and That Lax Antitrust Is the Villain
Carlton, Dennis W. - 2020
This paper evaluates the recent literature claiming that the US economy has generally become less competitive causing the US economy to perform poorly and that lax antitrust policy is one important reason for the decline in economic performance. Although there certainly are empirical facts...
Persistent link: https://www.econbiz.de/10012829706
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The Failure of Northern Rock: A multi-dimensional Case Study
Congdon, Tim; Goodhart, Charles A.E.; Eisenbeis, Robert A. - 2009
In August 2007 the United Kingdom experienced its first bank run in over 140 years. Although Northern Rock was not a particularly large bank (it was at the time ranked 7th in terms of assets) it was nevertheless a significant retail bank and a substantial mortgage lender. In fact, ten years...
Persistent link: https://www.econbiz.de/10011689937
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The Failure of Northern Rock - A Multidimensional Case Study
Eisenbeis, Robert Allen; Taylor, Michael William; … - SUERF - The European Money and Finance Forum
dramatically overlooking the fundamental role of capital in banking. The central conclusion is that the Northern Rock crisis was a … information flows it receives through its regular contact with financial markets and institutions. The issue of banking law reform … the issue of whether this might be premature in an increasingly cross-border banking system. He further argues that the …
Persistent link: https://www.econbiz.de/10004982519
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Federal Reserve Structure, Economic Ideas, and Banking Policy During the "Quiet Period" in Banking
Bordo, Michael D.; Prescott, Edward Simpson - National Bureau of Economic Research - 2024
ideas on banking policy in the 1950s and 1960s. We document that demand for research and analysis was driven by banking … industry developments and legal changes that required the Federal Reserve and other banking regulatory agencies to develop …
Persistent link: https://www.econbiz.de/10015171666
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The failure of Northern Rock : a multi-dimensional case study
Bruni, Franco (ed.); Llewellyn, David T. (ed.) - 2009
In August 2007 the United Kingdom experienced its first bank run in over 140 years. Although Northern Rock was not a particularly large bank (it was at the time ranked 7th in terms of assets) it was nevertheless a significant retail bank and a substantial mortgage lender. In fact, ten years...
Persistent link: https://www.econbiz.de/10011705347
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Random Utility Models of Demand for the U.S. Commercial Banking Industry
Orosco, Cesar - 2008
In this paper, we specify a Random Utility Model of Demand for Deposits inthe U.S. Banking Industry, assessing its …
Persistent link: https://www.econbiz.de/10014215546
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Enjoying the Quiet Life Under Deregulation? Evidence from Adjusted Lerner Indices for U.S. Banks
Koetter, Michael - 2013
The quiet life hypothesis posits that firms with market power incur inefficiencies rather than reap monopolistic rents. We propose a simple adjustment to Lerner indices to account for the possibility of foregone rents to test this hypothesis. For a large sample of U.S. commercial banks, we find...
Persistent link: https://www.econbiz.de/10013091702
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How Did China’s WTO Entry Affect the Local Banking System in the U.S.?
Ashour, Samar; Chemmanur, Thomas J.; Li, Xi; Xu, Jiajie - 2022
rates after the shock. Further, small banks lose market share and banking market concentration increases more in these …
Persistent link: https://www.econbiz.de/10014255286