Results 61 to 70 of about 1,293 (200)

How Regulatory Costs Impede Financial Technology Gains

European Financial Management, EarlyView.
ABSTRACT While financial technology innovation lowers intermediation costs, regulatory frictions may prevent these gains from reaching long‐term investors and borrowers. Using variation in retail investor participation driven by state securities registration lapses in peer‐to‐peer lending, we demonstrate that regulatory frictions are associated with ...
Shyam Venkatesan, Brian Wolfe, Woongsun Yoo   +2 more
wiley   +1 more source

The impact of population ageing on credit rationing in rural China

Cogent Economics & Finance
Based on the trend of ageing in rural populations, this study utilized the 2019 China Household Finance Survey data to theoretically and empirically analyze the rationing behavior of rural formal financial institutions in credit supply and demand.
Pengfei Liu
doaj   +1 more source

The relationship between Bank Credits and Socioeconomic Indicators in Agricultural Sector: A Case Study of the Fars Province [PDF]

پژوهشهای اقتصادی, 2010
Bank credit is an important source for the finance in agricultural sector. Agricultural credit is expected to play a critical role in agricultural development. Since the banking system supplies lower interest loans, there is a higher demand for financing
Abdulhamid khosravi
doaj  

Loan Volume and Interest Rate Determination in a Banking Market with Imperfect Competition [PDF]

Financial Markets, Institutions and Risks
In imperfectly competitive banking markets, the determination of loan volume and interest rates matters because even modest differences in banks’ loan-origination efficiency can alter credit availability, borrowing costs, and the transmission of ...
Achintya RAY
doaj   +1 more source

Historical case study of a transfer experiment that demonstrated the importance of the estuarine ecosystem for the survival of Chinook salmon (Oncorhynchus tshawytscha) at the Campbell River estuary, British Columbia, Canada

Journal of Fish Biology, EarlyView.
Abstract Estuary dependence to the survival of Chinook salmon was investigated at the Campbell River estuary, British Columbia, Canada. Replicate batches of marked smolts were transferred from a hatchery and released in 1983, 1984 and 1985 at four ecosystems, two that ensured estuarine experience (river, estuary) and two seawards of the estuary ...
Colin D. Levings, J. Steve Macdonald
wiley   +1 more source

Credit rationing during credit supply shock: Insights from loan level data

International Review of Economics & Finance
This paper examines bank credit allocation under an exogenous shock to credit supply within a stable financial system. The paper utilizes proprietary loan-level data collected from all Israeli commercial banks to examine how massive drawdowns on ...
Noam Michelson
doaj   +1 more source

Credit Rationing, Government Credit Programs and Co-Financing [PDF]

Journal of Applied Economics, 2007
Costly monitoring may lead to credit rationing in equilibrium in an economy without any adverse selection or moral hazard problems. Given the widespread phenomenon of government intervention in credit markets in developing and developed countries, the natural question then is, How effective are these government programs?
openaire   +2 more sources

Character and creditworthiness: Unveiling the role of job titles in peer‐to‐peer lending

Journal of Financial Research, EarlyView.
Abstract Using data from the Prosper lending platform, we examine the influence of job‐based trust on credit market dynamics. We find that the generalized trust implied by borrowers' job titles, as a reflection of individuals' ethical and integrity standards in professionals, positively affects listing and loan performance.
Zagdbazar Davaadorj, Bolortuya Enkhtaivan, Wenling Lu   +2 more
wiley   +1 more source

The financial information in the credit market for micro and small businesses, in underdeveloped regions

Faedpyme International Review, 2012
This research analyzed the role that financial information plays in the access to external financial resources for micro and small manufacturing businesses (MiSBs) in Tabasco, Mexico.
Juan José Chable Sangeado
doaj   +1 more source

Segment information disclosure and trade credit

Journal of Financial Research, EarlyView.
Abstract We examine the effect of mandatory segment disclosure on trade credit financing. Segment disclosure reduces the information advantage of suppliers relative to investors in evaluating firm default risk, reducing firms' reliance on trade credit. Exploiting the adoption of SFAS 131 as a shock to segment disclosure, we find that segment disclosure
Obada Almajali, Phil Holmes, Bin Xu
wiley   +1 more source