Results 261 to 270 of about 127,018 (311)

Lending Booms and Lending Standards

SSRN Electronic Journal, 2005
This paper examines how the informational structure of loan markets interacts with banks’ strategic behaviour in determining lending standards, lending volumes, and the aggregate allocation of credit. In a setting where banks obtain private information about their clients’ creditworthiness, we show that banks may loosen lending standards when ...
DellAriccia, Giovanni, Marquez, Robert
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Lending an ear

Veterinary Record, 2022
Abstract After Charles Chavasse discovered people seemed to find it easy to talk to him about their worries, he decided to train as a mental health and wellbeing champion – taking on a more formal role in supporting his colleagues. He tells Claire Read more.
openaire   +2 more sources

Social lending

Proceedings of the 10th ACM conference on Electronic commerce, 2009
Prosper, the largest online social lending marketplace with nearly a million members and $178 million in funded loans, uses an auction amongst lenders to finance each loan. In each auction, the borrower specifies D, the amount he wants to borrow, and a maximum acceptable interest rate R.
Ning Chen 0005, Arpita Ghosh, Nicolas S. Lambert   +2 more
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THE ROLE OF DIGITALISATION IN LENDING PROCEDURE: DIGITAL LENDING VS TRADITIONAL LENDING

International Journal of Management, Public Policy and Research, 2022
This research paper exhibits how Banks have discovered new ways to provide flexible lending procedures as a result of the digitalization revolution. Today, the digital medium has emerged as the most promising means of improving the system in any field.
Vadan Vala, Falguni Vala, Nilam Panchal
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To Lend or Not to Lend

2016
The current paper examines loan-level data from Lending Club to look at peer-to-peer borrowing by small businesses. We begin by looking at characteristics of loan applications that were and were not funded and then take a more in-depth look at funded applications.
Traci L. Mach, Courtney M. Carter, Cailin R. Slattery   +2 more
openaire   +1 more source

Lending Technologies and Lending Relationships

SSRN Electronic Journal, 2018
We examine banks' choice between two costly instruments used to identify good loan applicants: direct screening by acquiring borrower-specific information and collateral requirements. We show that with longer relationships the preference for screening increases both in initial and in later periods.
Artashes Karapetyan, Bogdan Stacescu
openaire   +1 more source

Banks and Borrower Networks: To Lend or Not to Lend?

SSRN Electronic Journal, 2019
Banks remain the most important credit source globally despite large-scale financial development. However, banking continues to be plagued by rising costs and information asymmetry. In this context, we show how an additional borrower characteristic, specifically the borrower’s network strength, helps reduce costs by altering the bank’s lending ...
Debarati Basu, Shabana Mitra, Nishant Kumar Verma   +2 more
openaire   +1 more source

Lending on hold: Regulatory uncertainty and bank lending standards

Journal of Monetary Economics, 2016
Abstract The 2011–2013 rule-making process for the regulation of qualified mortgages was correlated with a reduction in mortgage lending. In this paper, we document this correlation at the bank level. Using a novel measure of banks׳ perception of regulatory uncertainty, we offer suggestive evidence that banks that perceived higher regulatory ...
Stefan Gissler, Jeremy Oldfather, Doriana Ruffino   +2 more
openaire   +1 more source

The level effect of bank lending standards on business lending

Journal of Banking & Finance, 2013
Do tightenings of bank lending standards permanently reduce bank lending? We construct a measure of a bank’s level of lending standards using micro-data from the sample of banks participating in the Eurosystem Bank Lending Survey in The Netherlands and show that this level measure affects business lending.
Koen van der Veer, Marco Hoeberichts
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Discrimination in Consumer Lending

The Review of Economics and Statistics, 1990
This paper tests for the existence of discrimination in consumer lending by finance companies in Texas before the passage of the Equal Credit Opportunity Act. The data used permit conclusions about discrimination in the market, not just in the behavior of a small number of creditors.
Elliehausen, Gregory E, Lawrence, Edward C   +1 more
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