There is little evidence on how the large market for credit score improvement products affects consumers or credit … market efficiency. A randomized encouragement design on a standard credit builder loan (CBL) identifies null average effects … on whether consumers have a credit score and the score itself, with important heterogeneity: those with loans outstanding …

The US credit boom has been identified as one of the causes of the global financial crisis and the resulting debt … overhang is seen as the primary reason for the weak economic recovery. Most of the existing literature links the credit boom to … non-financial private sector had been originated by shadow banks. Consequently, dampening credit creation by the …

increases credit supply. In my empirical strategy I compare banks with and without access to securitisation and exploit the ABCP …: banks use unlocked capital from the securitisation of consumer credit to propel C&I lending …

. The credit-enhancement channel predicts a positive relation between banks' CDS selling and loan sales. Using syndicated … substitute channel, and the credit-enhancement channel plays an important role in bank loan sales …

-securitized loans. The result can largely be explained by their degree of information asymmetry and credit risk. We find that lead banks …

opportunity for unlisted firms. Using the Italian Credit Register, we investigate the impact of minibond issuance on bank credit … reduce the amount of used bank credit but increase the overall amount of available external funds, pointing to a substitution … with bank credit and to a diversification of corporate funding sources. Studying their ex-post performance, we find that …

manufacturer to increase the cash collected from car sales via a credit fire sale: reducing loan-to-value in the intensive margin …% to generate the same liquidity of a credit fire sale …

capital adequacy ratios have remained unchanged. Off-balance sheet transactions using lower credit quality assets to … Bank's expansion of arbitraged credit lines into high risk areas has forced the bank to increase Treasury assets 100 …