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Do Business Borrowers Benefit from Bank Bailouts? - The Effects of TARP on Loan Contract Terms
Berger, Allen N. - 2017
). Applying difference-in-difference methodology to loan-level data, we find more favorable contract terms in five dimensions …
Persistent link: https://www.econbiz.de/10012969974
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Financial Crises and Filling the Small Business Credit Gap : The Role of Government-Guaranteed Loans
Hackney, John - 2019
Small Business Administration 7(a) lenders: 1) received higher small business loan volume, 2) increased small firm …
Persistent link: https://www.econbiz.de/10012902604
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Federal Reserve Lending to Troubled Banks During the Financial Crisis, 2007-10
Gilbert, R. Alton - 2012
Numerous commentaries have questioned both the legality and appropriateness of Federal Reserve lending to banks during the recent financial crisis. This article addresses two questions motivated by such commentary: 1) Did the Federal Reserve violate either the letter or spirit of the law by...
Persistent link: https://www.econbiz.de/10013107843
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Domino Effects When Banks Hoard Liquidity : The French Network
Fourel, Valère - 2013
We investigate the consequences of banks' liquidity hoarding behavior for the stability of the financial system proposing a new model of banking contagion through two channels, bilateral exposures and funding shortage. Inspired by the key role of liquidity hoarding in the 2007-2009 financial...
Persistent link: https://www.econbiz.de/10013083481
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Securitization, ratings, and credit supply
Daley, Brendan; Green, Brett; Vanasco, Victoria - 2017
We develop a framework to explore the effect of credit ratings on loan origination and securitization. In the model …, banks privately screen and originate loans and then issue securities that are backed by loan cash flows. Issued securities …
Persistent link: https://www.econbiz.de/10011870296
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The countercyclical capital buffer and the composition of bank lending
Auer, Raphael A.; Matyunina, Alexandra; Ongena, Steven - 2021
Do macroprudential regulations on residential lending influence commercial lending behavior too? To answer this question, we identify the compositional changes in banks' supply of credit using the variation in their holdings of residential mortgages on which extra capital requirements were...
Persistent link: https://www.econbiz.de/10012643066
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The countercyclical capital buffer and the composition of bank lending
Auer, Raphael A.; Ongena, Steven - 2019
Do macroprudential regulations on residential lending influence commercial lending behavior too? To answer this question, we identify the compositional changes in banks' supply of credit using the variation in their holdings of residential mortgages on which extra capital requirements were...
Persistent link: https://www.econbiz.de/10012064522
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Regulating Credit Booms from Micro and Macro Perspectives
Ogawa, Toshiaki - 2022
This study examines how micro- and macro-prudential policies work and interact with each other over the credit cycles using a dynamic general equilibrium model of financial intermediaries. Micro-prudential policies restrict the excess risk-taking of individual institutions, while taking real...
Persistent link: https://www.econbiz.de/10013307091
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Cohort phenomenon and increasing credit and liquidity risks of banks
Gupta, Jairaj; Alzugaiby, Basim; Srivastava, Anup - 2021
We find that the average credit and liquidity risks of U.S. banks, the two principal determinants of bank distress, increased significantly over the last forty years or so. This trend stemmed from progressively aggressive business strategies adopted by new banking cohorts as well as old...
Persistent link: https://www.econbiz.de/10013311278
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Cohort phenomenon and increasing credit and liquidity risks of banks
Gupta, Jairaj; Alzugaiby, Basim; Srivastava, Anup - 2021
We find that the average credit and liquidity risks of U.S. banks, the two principal determinants of bank distress, increased significantly over the last forty years or so. This trend stemmed from progressively aggressive business strategies adopted by new banking cohorts as well as old...
Persistent link: https://www.econbiz.de/10013312395