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Collaterlization, bank loan rates and monitoring : evidence from a natural experiment
Cerqueiro, Geraldo; Ongena, Steven; Roszbach, Kasper - 2012
type of collateral that is comparable to the floating lien. We explore this natural experiment to identify how collateral …-in-differences approach, we find that following the change in the law and the loss in collateral value borrowers pay a higher interest rate on … credit by their bank. The reduction in collateral value also precedes a decrease in bank monitoring intensity and frequency …
Persistent link: https://www.econbiz.de/10009532307
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Collateralization, Bank Loan Rates and Monitoring
Cerqueiro, Geraldo - 2014
We show that collateral plays an important role in the design of debt contracts, the provision of credit, and the … incentives of lenders to monitor borrowers. Using a unique dataset from a large bank containing timely assessments of collateral … values, in conjunction with a legal reform that exogenously reduced those values, we find that the bank responded to this …
Persistent link: https://www.econbiz.de/10013067571
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Collateralization, bank loan rates, and monitoring
Cerqueiro, Geraldo; Ongena, Steven; Roszbach, Kasper - In: The journal of finance : the journal of the American … 71 (2016) 3, pp. 1295-1322
Persistent link: https://www.econbiz.de/10011613540
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Collaterlization, bank loan rates and monitoring: Evidence from a natural experiment
Cerqueiro, Geraldo; Ongena, Steven; Roszbach, Kasper - 2012
type of collateral that is comparable to the floating lien. We explore this natural experiment to identify how collateral …-in-differences approach, we find that following the change in the law and the loss in collateral value borrowers pay a higher interest rate on … credit by their bank. The reduction in collateral value also precedes a decrease in bank monitoring intensity and frequency …
Persistent link: https://www.econbiz.de/10010320779
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Consumer credit reporting data
Gibbs, Christa; Guttman-Kenney, Benedict; Lee, Donghoon; … - 2024
Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics of and the institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to...
Persistent link: https://www.econbiz.de/10015051929
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Consumer credit, self-discipline, and riks management
Langley, Paul - In: Managing financial risks : from global to local, (pp. 280-300). 2009
Persistent link: https://www.econbiz.de/10003864273
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Some determinants of the price of default risk
Anderson, Ronald W. (contributor) - 2008
In this paper we study the pricing of credit risk as reflected in the market for credit default swaps (CDS) between 2003 and 2008. This market has newly emerged as the reference for credit risk pricing because of its use of standardized contract specifications and has achieved a higher level of...
Persistent link: https://www.econbiz.de/10003848511
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Financial Covenants bei Akquisitionskrediten : eine Bestandsaufnahme
Hoffmann, Guido - In: Zeitschrift für Bankrecht und Bankwirtschaft : ZBB 19 (2007) 5, pp. 413-416
Persistent link: https://www.econbiz.de/10003551479
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Credit reporting systems and the international economy
Miller, Margaret J. (ed.) - 2003
"Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral...
Persistent link: https://www.econbiz.de/10011479551
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Loan delinquency in banking systems : how effective are credit reporting systems?
Ghosh, Saibal - In: Research in international business and finance 47 (2019), pp. 220-236
Persistent link: https://www.econbiz.de/10012135528