Search Results - subject:"Cross-subsidisation"

Cross-subsidization of Bad Credit in a Lending Crisis

Artavanis, Nikolaos T.; Lee, Brian Jonghwan; Panageas, … - 2022

We study the corporate-loan pricing decisions of a major Greek bank during the Greek financial crisis. A unique aspect of our dataset is that we observe both the interest rate and the ``breakeven rate'' of each loan, as computed by the bank's own loan-pricing department (in effect, the loan's...

Persistent link: https://www.econbiz.de/10013294528

Cross-subsidization of Bad Credit in a Lending Crisis

Artavanis, Nikolaos; Lee, Brian Jonghwan; Panageas, Stauros - National Bureau of Economic Research - 2022

We study the corporate-loan pricing decisions of a major Greek bank during the Greek financial crisis. A unique aspect of our dataset is that we observe both the interest rate and the "breakeven rate" of each loan, as computed by the bank's own loan-pricing department (in effect, the loan's...

Persistent link: https://www.econbiz.de/10013172149

Completing the banking union with a European deposit insurance scheme : who is afraid of cross-subsidisation?

Carmassi, Jacopo; Dobkowitz, Sonja; Evrard, Johanne; … - 2018

relative to the amount of covered deposits in their balance sheet. Fourth, there would be no unwarranted systematic cross-subsidisation …, cross-subsidisation would increase relative to a fully-fledged EDIS. The key drivers behind these results are: i) a …

Persistent link: https://www.econbiz.de/10011816213

Application of tàawun (mutual assistance) in cross-subsidisation of surplus among different takaful operators : an exploratory study in Malaysia

Md. Habibur Rahman; Md. Faruk Abdullah; Noor Mohammad Osmani - 2024

Persistent link: https://www.econbiz.de/10015359050

Application of tàawun (mutual assistance) in cross-subsidisation of surplus among different takaful operators: an exploratory study in Malaysia

Rahman, Md. Habibur; Abdullah, Md. Faruk; Osmani, Noor … - In: International Journal of Islamic and Middle Eastern … 17 (2024) 6, pp. 1136-1154

Purpose This study aims to investigate the possibility of practicing cross-subsidisation of underwriting surplus among … establishes the feasibility of cross-subsidisation of underwriting surplus in takaful. Given that participants are the rightful … advocate for policy reviews and regulatory adjustments to facilitate cross-subsidisation of takaful surplus. Practical …

Persistent link: https://www.econbiz.de/10015348194

Firms, Industries, and Unemployment Insurance : An Analysis Using Employer-Employee Data

Corak, Miles; Chen, Wen-hao - 2021

Administrative data on the universe of employees, firms, and unemployment insurance (UI) recipients in Canada over an 11 year period are used to examine the operation of UI using the firm as the unit of analysis. Persistent transfers through UI are present at both industry and firm levels, and...

Persistent link: https://www.econbiz.de/10013319876

Beyond the Dogma of the Fixed Book Price Agreement

van der Ploeg, Rick - 2021

After describing the essential features of the book market, a welfare analysis of the fixed book price agreement is given. Allowance is made for the opportunity cost of reading. Theoretically, the agreement pushes up book prices and depresses book sales. However, more titles will be published,...

Persistent link: https://www.econbiz.de/10013319915

Privacy Concerns in Insurance Markets : Implications for Market Equilibria and Social Welfare

Gemmo, Irina - 2019

Telemonitoring devices can be used to screen consumer characteristics and mitigate information asymmetries that lead to adverse selection in insurance markets. Nevertheless, some consumers value their privacy and dislike sharing private information with insurers. In a second-best efficient...

Persistent link: https://www.econbiz.de/10012860035

Regulating insurance markets : multiple contracting and adverse selection

Attar, Andrea; Mariotti, Thomas; Salanié, François - 2019

Persistent link: https://www.econbiz.de/10012182150

Regulating insurance markets : multiple contracting and adverse selection

Attar, Andrea; Mariotti, Thomas; Salanié, François - In: International economic review 63 (2022) 3, pp. 981-1020

Persistent link: https://www.econbiz.de/10013387551