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The impact of the recent financial crisis on bank loan interest rates and guarantees.
Calcagnini, Giorgio; Farabullini, Fabio; Giombini, Germana - Facoltà di Economia, Università degli Studi di Urbino - 2012
The paper analyzes the role of guarantees on loan interest rates before and during the recent financial crisis in … Italian firm financing. The paper improves on existing literature by distinguishing between real and personal guarantees …. Further, the paper investigates the potential different role of guarantees in the bank-borrower relationship during the recent …
Persistent link: https://www.econbiz.de/10010538752
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Gender differences in bank loan access.
Calcagnini, Giorgio; Giombini, Germana; Lenti, Elisa - Facoltà di Economia, Università degli Studi di Urbino - 2012
characteristics, female-owned firms: (a) experience a higher probability of having to pledge guarantees than male-owned firms; (b …
Persistent link: https://www.econbiz.de/10010587850
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Asset encumbrance, bank funding and financial fragility
Ahnert, Toni; Anand, Kartik; Gai, Prasanna; Chapman, James - 2016
guarantees induce excessive encumbrance and fragility. To mitigate such risk shifting, we study prudential regulatory tools …
Persistent link: https://www.econbiz.de/10011486236
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The Impact of the Recent Financial Crisis on Bank Loan Interest Rates and Guarantees
Calcagnini, Giorgio - 2012
The paper analyzes the role of guarantees on loan interest rates before and during the recent financial crisis in … Italian firm financing. The paper improves on existing literature by distinguishing between real and personal guarantees …. Further, the paper investigates the potential different role of guarantees in the bank-borrower relationship during the recent …
Persistent link: https://www.econbiz.de/10013110432
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Bank heterogeneity and interest rate setting: what lessons have we learned since Lehman Brothers?
Gambacorta, Leonardo; Mistrulli, Paolo Emilio - Banca d'Italia - 2011
A substantial literature has investigated the role of relationship lending in shielding borrowers from idiosyncratic shocks. Much less is known about how lending relationships and bank-specific characteristics affect the functioning of the credit market in an economy-wide crisis, when banks may...
Persistent link: https://www.econbiz.de/10009364552
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Do interbank customer relationships exist? And how did they function in the crisis? Learning from Italy
Affinito, Massimiliano - Banca d'Italia - 2011
Using 11 years of monthly Italian bank-by-bank data, this paper correlates the bilateral amounts and the identity of each interbank borrower and lender with a long list of explanatory variables. The results show that interbank customer relationships, i.e. stable and strong relationships between...
Persistent link: https://www.econbiz.de/10009364553
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Do interbank customer relationships exist? And how did they function in the crisis? Learning from Italy
Affinito, Massimiliano - In: Journal of Banking & Finance 36 (2012) 12, pp. 3163-3184
Using 11years of monthly Italian bank-by-bank data, this paper correlates the bilateral amounts and the identity of each interbank borrower and lender with a long list of explanatory variables. The results show that interbank customer relationships, i.e. stable and strong relationships between...
Persistent link: https://www.econbiz.de/10010580927
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Central bank collateral frameworks
Nyborg, Kjell G. - 2015
forces and discipline. The paper also emphasizes the important role of ratings and government guarantees in the Eurosystem …
Persistent link: https://www.econbiz.de/10011296085
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Clasificación de los sistemas de garantía desde la experiencia latinoamericana
Pombo, Pablo; Molina, Horacio; Ramírez, Jesus N. - Inter-American Development Bank - 2013
Los sistemas de garantía son instrumentos que tratan de mitigar las disfunciones que genera la exigencia de garantías a los empresarios en las operaciones crediticias. En este trabajo se diagnostican los efectos no deseados que provocan las reglas internacionales en el acceso al financiamiento...
Persistent link: https://www.econbiz.de/10010654434
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Juridical and financial considerations on the public re capitalisation and rescue of financial institutions during periods of financial crises
Ojo, Marianne; Rodriguez-Miguez, Jose - Volkswirtschaftliche Fakultät, … - 2010
As well as a consideration of why the lender of last resort facility should be used for emergency situations and systemically relevant institutions in particular, an interesting point which will be considered in this paper is the comparison between the European Central Bank (ECB) Recommendation...
Persistent link: https://www.econbiz.de/10008683301