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Joint liability lending and credit risk : evidence from the home equity market

Agarwal, Sumit; Ambrose, Brent William; Chomsisengphet, … - In: Journal of housing economics 32 (2016), pp. 47-66

Persistent link: https://www.econbiz.de/10011631691

Joint Liability Lending and Credit Risk : Evidence from the Home Equity Market

Agarwal, Sumit - 2010

Using a unique dataset of home equity credit contracts, we examine the benefits of joint liability lending. Our results … single borrowers. Our results indicate that the lower risk associated with joint liability is largely dependent upon the … similarity of risk characteristics (profiles) of the joint borrowers. Our results suggest that joint liability lending per say …

Persistent link: https://www.econbiz.de/10013139761

Comparative analysis of liability cases for bankruptcies of financial institutions

Kiršienė, Julija; Misevičiūtė, Gabrielė - In: Montenegrin journal of economics 13 (2017) 3, pp. 85-99

Persistent link: https://www.econbiz.de/10012009131

Loan Sales and Bank Liquidity Management : Evidence from a U.S. Credit Register

Irani, Rustom M. - 2019

We examine how banks use loan sales to manage liquidity during periods of marketwide stress and the associated spillovers to market prices. We track the dynamics of loan share ownership in the secondary market using data from a U.S. supervisory register of syndicated loans. Controlling for loan...

Persistent link: https://www.econbiz.de/10012904609

Moderne Verfahren der Ertragspotenzialermittlung im Firmenkundengeschäft

Hasken, André - 2017

Persistent link: https://www.econbiz.de/10011637110

Selling Dreams : Endogenous Optimism in Lending Markets

Bridet, Luc - 2020

We propose a simple model of borrower optimism in competitive lending markets with asymmetric information. Borrowers in our model engage in self-deception to arrive at a belief that optimally trades off the anticipatory utility benefits and material costs of optimism. Lenders' contract design...

Persistent link: https://www.econbiz.de/10012834361

Selling dreams : endogenous optimism in lending markets

Bridet, Luc; Schwardmann, Peter - In: American economic journal 16 (2024) 3, pp. 492-524

Persistent link: https://www.econbiz.de/10015403090

Private debt in Sweden in 1900-2013 and the risk of financial crisis

Ahnland, Lars - In: Scandinavian economic history review 63 (2015) 3, pp. 302-323

Persistent link: https://www.econbiz.de/10011416828

Does CFPB oversight crimp credit?

Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018

evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …

Persistent link: https://www.econbiz.de/10011868541

How big is the wealth effect? : decomposing the response of consumption to house prices

Aruoba, S. Borağan; Elul, Ronel; Kalemli-Ozcan, Sebnem - 2018

We investigate the effect of declining house prices on household consumption behavior during 2006-2009. We use an individual-level dataset that has detailed information on borrower characteristics, mortgages and credit risk. Proxying consumption by individual-level auto loan originations, we...

Persistent link: https://www.econbiz.de/10011971339