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Competition and adverse selection in the small-dollar loan market : overdraft versus payday credit

Melzer, Brian T.; Morgan, Donald P. - 2009 - Rev.

. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market. -- Payday credit …

Persistent link: https://www.econbiz.de/10003947557

Competition, risk neutrality and loan commitments

Boot, Arnoud; Thakor, Anjan V.; Udell, Gregory F. - In: Journal of banking & finance 11 (1987) 3, pp. 449-471

Persistent link: https://www.econbiz.de/10003525877

Competition in banking and banking regulation

Otag, Ufuk - 2009

Persistent link: https://www.econbiz.de/10008990793

Competition, financial innovation and commercial bank loan portfolios

Zarutskie, Rebecca - In: Journal of financial intermediation 22 (2013) 3, pp. 373-396

Persistent link: https://www.econbiz.de/10009767884

Loan as a durable good and bank indirect-tax incidence

Soldatos, Gerasimos Th.; Varelas, Erotokritos G. - In: International journal of financial research 7 (2016) 1, pp. 33-38

Persistent link: https://www.econbiz.de/10011560837

Two-period financial contracts and product market competition

Stadler, Manfred - 1996

This paper examines optimal two-period financial contracts between firms in a product market on the one side and banks as creditors on the other side. Similar to the Bolton-Scharfstein contracts, banks can mitigate the moral hazard problem of truthfully revealing the ex ante unknown profits of...

Persistent link: https://www.econbiz.de/10010404274