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Macroeconomic Determinants of Loan Delinquencies : Evidence from the US Peer-to-Peer Lending Market

Nigmonov, Asror; Shams, Syed; Alam, Khorshed - 2021

macroeconomic factors that influence credit risk in the peer-to-peer (P2P) lending market. By aggregating the United States (US …

Persistent link: https://www.econbiz.de/10013230437

Bringing "honest capitalʺ to poor borrowers : the passage of the uniform small loan law, 1907-1930

Carruthers, Bruce G.; Guinnane, Timothy; Lee, Yoonseok - 2009

; small loans ; consumer credit ; usury laws …

Persistent link: https://www.econbiz.de/10003841394

Bank lending relationships and the use of performance-sensitive debt

Adam, Tim R.; Streitz, Daniel - 2013

We show that performance-sensitive debt (PSD) is used to reduce hold-up problems in repeated lending relationships. Using a large sample of bank loans, we find a more frequent use of PSD if hold-up is more likely, e.g. if a longterm lending relationship exists and the borrower has fewer outside...

Persistent link: https://www.econbiz.de/10009743069

Credit standards and capital allocation in a low interest rate environment

Andersen, Svend Greniman; Kuchler, Andreas - 2016

Using firm-level data from surveys and financial statements, this paper presents an analysis of credit standards … to significant easing of credit standards for the least creditworthy firms. The current credit standards to a large … indicates that Danish firms' credit demand is relatively limited, and that they have relatively good access to finance in …

Persistent link: https://www.econbiz.de/10011489436

Credit Rating Changes’ Impact on Banks : Evidence from the US Banking Industry

Apergis, Nicholas - 2012

This study examines the impact of credit rating upgrades and downgrades on six comprehensive banks' asset classes …. It seems that the role of credit rating agencies as an integral part of banks' prudential supervision through market …

Persistent link: https://www.econbiz.de/10013115975

Is weather important for US banking? : a study of bank loan inefficiency

Apergēs, Nikolaos; Artikis, Panayiotis G.; Mamatzakis, … - In: Journal of applied finance & banking 2 (2012) 3, pp. 1-38

The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and finance. Yet, and in spite of the immense interest, no study, so far, has provided any comprehensive evidence on the impact of weather conditions. This paper provides the...

Persistent link: https://www.econbiz.de/10009565392

Optimal Bank Capital and Securitization : The Case of Corporate Loans for U.S. Commercial Banks

Lee, Arthur C. - 2011

This paper derives a bank capital allocation model and applies it in the determinants of securitization. According to Bank for International Settlements (BIS), banks are required to prepare regulatory capital for investment and loans, based on the quality and quantity of assets. Hence, the...

Persistent link: https://www.econbiz.de/10013129025

The Loan Puzzle. A Study of Loans to Different Groups in the USA

Cafiso, Gianluca - 2020

We study loans from banking and non-banking lenders to different groups of borrowers in order to unveil significant differences on how those respond to a shock and evaluate possible alternative explanations for such differences. The objective is to gain insights useful to explain the loan...

Persistent link: https://www.econbiz.de/10012838236

US Bank Credit Spreads During the Financial Crisis

Spencer, Peter - 2017

stressed credit markets and confirms their superior performance in explaining the behavior of Credit Default Swap rates for the …

Persistent link: https://www.econbiz.de/10012954808

The loan puzzle : a study of loans to different groups in the USA.

Cafiso, Gianluca - 2020

Persistent link: https://www.econbiz.de/10012194423

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