Dynamic provisioning: a countercyclical tool for loan loss reserves [PDF]
In the wake of the financial crisis of 2007-2009, as various banking policymakers revisit loan loss provisioning rules, the Spanish approach of dynamic provisioning has garnered attention as a potential alternative to the current incurred loss approach ...
Andrew McKenna, Eliana Balla
core
Listening to loan officers: the impact of commercial credit standards on lending and output [PDF]
Over most of the last thirty-three years, the Federal Reserve has polled a small number of bank loan officers about their moves to tighten or ease commercial credit standards.
Cara S. Lown +2 more
core +1 more source
Interest rate restrictions in a natural experiment: loan allocation and the change in the usury laws in 1714 [PDF]
This article studies the effects of interest rate restrictions on loan allocation. The British government tightened the usury laws in 1714, reducing the maximum permissible interest rate from 6% to 5%.
Joachim Voth, Peter Temin
core
Loan Market Competition and Bank Risk-Taking [PDF]
Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers.
Wagner, W.B.
core +1 more source
Access to FHLBank advances and the performance of thrift institutions [PDF]
This article examines thrift financial data from 1985 to 1991 and finds that financially distressed thrifts, especially those benefiting from regulatory forbearance policies, tended to borrow more from Federal Home Loan Banks.
Elijah Brewer, III +2 more
core
Nurses carry substantial student loans: health care workforce implications. [PDF]
Health Aff SchFriese CR +4 more
europepmc +1 more source
A project-level dataset of Chinese Belt and Road energy investments 2013-2023. [PDF]
Sci DataYin G, Calzadilla A, Bleischwitz R.
europepmc +1 more source
How peer mechanism impacts loan repayment in a Self-help group?: An empirical study in India. [PDF]
PLoS OneMalhotra N.
europepmc +1 more source
Gender Bias Claims in Farm Service Agency’s Lending Decisions [PDF]
This study analyzes the courts’ denial of women farmers’ motion for class-action certification of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions.
Epperson, James E. +2 more
core +1 more source
The influence of digital transformation on chinese bank profitability performance. [PDF]
PLoS OneZhang S.
europepmc +1 more source