In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage market exists. More specifically, we test whether, ceteris paribus, immigrant borrowers tend to be charged with higher interest rates on their mortgages than their Spanish born...

This paper analyses the role that institutional factors play in explaining differences in the capital structure of small and medium-sized enterprises (SMEs) across regions belonging to a single country. Specifically, it studies the effect of the development of the financial sector and of the...

A recent strand of the literature shows that the adoption of different lending technologies is associated with heterogeneous credit policies and performance. Using a unique Bank of Italy?s survey, specifically designed to capture some organizational features and the lending techniques adopted by...

It is widely perceived that the supply of mortgages, especially since the extensive liberalization of the mortgage market since the 1980s, has had implications for the Dutch housing market. In this paper we introduce a new method to estimate a credit condition index (CCI). The credit conditions...

In more than 130 years, the cooperative banks and rural banks, have become a best practice, widespread in all the Italian regions so as to become, through Federcasse, a federal system included among the 130 European banks, referents ECB. A model that today has about 400 local banks and that,...

The aim of the paper is to analyze the development of the Estonian credit and saving market, especially considering the sector of households and non-financial corporations, in order to reveal the potential of saving and loan association (SLA) to enhance the economic and social development...

The working group, in valuing the scientific publications made in previous years on the quantification and measurement of the indicators of 'attraction' of a territory, tried to find a sustainable development model, verifing the effect that the recent introduction APEA (Industrial Areas...

The industrial organization approach to banking is extended to analyze the effects of interbank market activity and regulatory liquidity requirements on bank behavior. A multi-stage decision situation allows for considering the interaction between credit risk and liquidity risk of banks. This...