The Outlook for Credit in the Irish Economy [PDF]
This note presents estimates of the likely credit requirements of different sectors of the economy over a short-term horizon to 2013. The measure of credit “demand” used in the analysis is the stock of outstanding loans to the Irish private sector from ...
Lydon, Reamonn +3 more
core
Bank geographic deregulation, new credit accounts, and consumer credit
Abstract The bank deregulation literature documents positive effects of intrastate branching—allowing expansion of bank‐branch network within a state—on real economic outcomes such as income growth, income insurance, income inequality, and homeownership.
Chintal Ajitbhai Desai
wiley +1 more source
Racial/Ethnic inequality & contemporary disparities in mortgage lending. [PDF]
O'Neil MM, Roscigno VJ.
europepmc +1 more source
The Effects of Regulatory Office Closures on Bank Behavior
Abstract We investigate if the decentralized structure of regulatory office networks influences supervisory outcomes and bank behavior. Following the closure of an office, banks previously supervised by that office increase their lending and risk‐taking.
IVAN LIM, JENS HAGENDORFF, SETH ARMITAGE
wiley +1 more source
Home Mortgage Lending and Neighborhood Mental Health: A Spatial Econometric Analysis of 18 U.S. Metropolitan Statistical Areas. [PDF]
Chen L +3 more
europepmc +1 more source
Bank Opacity and Safe Asset Moneyness
Abstract A bank is more effective as a supplier of money‐like safe assets when (i) its return on equity (ROE) is relatively lower and (ii) it is relatively more opaque about its balance sheet. A model is presented to support this, emphasizing that safe asset investors focus on the left tail of the collateral value distribution.
SANG RAE KIM
wiley +1 more source
Historical Bias in Mortgage Lending, Redlining, and Implications for the Uncertain Geographic Context Problem: A Study of Structural Housing Discrimination in Dallas and Boston. [PDF]
Beauchamp AM +5 more
europepmc +1 more source
Mortgage lending in PJSC "Sberbank"
YO.F.u. Rahmonov, A.A. Kodirov
openaire +1 more source
Comparing the prime and subprime mortgage markets [PDF]
Against the backdrop of news reports on high mortgage delinquency rates, this article examines recent trends in mortgage lending and compares the prime and subprime markets in particular ...
Calvin T. Ho, Sumit Agarwal
core
Liquidity Crises and the Market‐Maker of Last Resort
Abstract We study market illiquidity in an economy subject to nonfundamental shocks. Asset trading occurs via decentralized bargaining. The model has multiple rational expectations equilibria; we associate certain Pareto‐inferior equilibria with liquidity crises.
CHARLES M. KAHN +2 more
wiley +1 more source

