expecially severe in emerging markets, characterized by weak institutions and banks with poorly developed monitoring and … screening abilities. Exploiting a unique sample of Vietnamese loans, we show that by updating their credit scoring models banks … credit scoring models is a viable alternative to credit rationing for banks and, in combination with relationship lending …

. We do so using an agent-based model populated by heterogeneous capital- and consumption-good firms, heterogeneous banks …

in mortgages and a marked decline in household savings. As a consequence banks are faced with a large retail funding gap … outstanding mortgage debt is insufficiently matched by retail deposits, whereas other funding possibilities of banks have …

We study the effects of a bank’s engagement in trading. Traditional banking is relationship-based: not scalable, long … leads trading in banks to become increasingly risky, so that problems in managing and regulating trading in banks will …

an investor holding a portfolio of banks. Based on this view, we investigate the role of large banks in determining the … systemic risk in this portfolio. Our results, based on book data of U.S. banks and Bank Holding Companies, indicate that the … largest banks are consistently overrepresented in the current portfolio compared with the minimum variance portfolio. Moreover …

region economic determinants of real estate lending of commercial banks across all 51 states spanning the period 1966 … of loans given out by banks. Findings Greater capitalization, liquidity and overhead costs reduce real estate lending …, while banks diversification and the size of the banking industry in each state increase such lending. Moreover, real estate …