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The impact of the recent financial crisis on bank loan interest rates and guarantees.
Calcagnini, Giorgio; Farabullini, Fabio; Giombini, Germana - Volkswirtschaftliche Fakultät, … - 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/10009647464
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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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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
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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/10011487136
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Are Lenders Using Risk-Based Pricing in the Consumer Loan Market? The Effects of the 2008 Crisis
Magri, Silvia - 2018
This paper analyzes whether in Italy the price of consumer loans is based on borrower specific risk. Mispricing could threat financial stability through negative effects on lenders' profitability; risk-based pricing also leads to a more efficient allocation of credit through lower prices for...
Persistent link: https://www.econbiz.de/10012926952
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Larger Crises, Slower Recoveries : The Asymmetric Effects of Financial Frictions
Research Department, Federal Reserve Bank of Minneapolis - 2009
It is well known that movements in lending rates are asymmetric; they rise quickly and sharply, but fall slowly and gradually. Not known is the fact that the asymmetry is stronger the less developed a country's financial system is. This new fact is here documented and explained in a model with an...
Persistent link: https://www.econbiz.de/10013157630