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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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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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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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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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Microfinance and Gender : Is There a Glass Ceiling on Loan Size?
Agier, Isabelle - 2013
Most of the customers of microfinance institutions are female. But do men and women benefit from the same credit conditions? We investigate this issue by presenting an original model and testing its predictions on an exceptional database comprising 34,000 loan applications from a Brazilian...
Persistent link: https://www.econbiz.de/10013094965
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Credit Rationing Effects of Credit Value-at-Risk
Slijkerman, Jan Frederik; Smant, David J.C.; de Vries, … - 2004
Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and therefore...
Persistent link: https://www.econbiz.de/10010325499
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Does innovation affect credit access? New empirical evidence from Italian small business lending
Bellucci, Andrea; Favaretto, Ilario; Giombini, Germana - 2014
In this paper we analyze the access to credit of innovative firms on the price and non-price dimensions of bank lending. Using information from two datasets, we use a propensity score matching procedure to estimate the impact of the innovative nature of firms on: (a) loan interest rates; (b) the...
Persistent link: https://www.econbiz.de/10010484719
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Credit rationing effects of credit value-at-risk
Slijkerman, Jan Frederik; Smant, David Jan Cornelis; … - 2004
Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and therefore...
Persistent link: https://www.econbiz.de/10011334832
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Does innovation affect credit access? : new empirical evidence from Italian small business lending
Bellucci, Andrea; Favaretto, Ilario; Giombini, Germana - 2014
In this paper we analyze the access to credit of innovative firms on the price and non-price dimensions of bank lending. Using information from two datasets, we use a propensity score matching procedure to estimate the impact of the innovative nature of firms on: (a) loan interest rates; (b) the...
Persistent link: https://www.econbiz.de/10010419911
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Credit Rationing Effects of Credit Value-at-Risk
Slijkerman, Jan Frederik - 2004
Banks provide risky loans to firms, which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and therefore...
Persistent link: https://www.econbiz.de/10012738415