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Does price regulation affect competition? : evidence from credit card solicitations

Dou, Yiwei; Li, Geng; Ronen, Joshua - 2019

We study the unintended consequences of consumer financial regulations, focusing on the CARD Act, which restricts consumer credit card issuers' ability to raise interest rates. We estimate the competitive responsiveness-the degree to which a credit card issuer changes offered interest rates in...

Persistent link: https://www.econbiz.de/10012018422

Doping in contest-like situations

Kräkel, Matthias - 2005

Individuals who compete in a contest-like situation (for example, in sports, in promotion tournaments, or in an appointment contest) may have an incentive to illegally utilize resources in order to improve their relative positions. We analyze such doping within a tournament game between two...

Persistent link: https://www.econbiz.de/10010370525

Doping and cheating in contest-like situations

Kräkel, Matthias (contributor) - 2006

. -- cheating ; contest ; doping ; fraud in research ; tournament …

Persistent link: https://www.econbiz.de/10003377751

Don't hate the player, hate the game : uncovering the foundations of cheating in contests

Dutcher, E. Glenn; Glätzle-Rützler, Daniela; Ryvkin, … - 2016

Contests are meant to attract the best performers and incentivize high effort, however, they may also attract cheaters who try to win via illicit means which crowds out the best performers. We use a laboratory experiment to explore the role of self-selection in contests with a possibility of...

Persistent link: https://www.econbiz.de/10011548973

Bank Competition and Credit Booms

Rungcharoenkitkul, Phurichai - 2015

A model of imperfectly competitive banks is examined under asymmetric information about borrower quality. Greater bank … empirical results on the relationship between bank competition and financial stability. The model can be used to define a …

Persistent link: https://www.econbiz.de/10013028276

Macroprudential policies at work : how do government-owned banks affect credit markets?

Capeleti, Paulo; Garcia, Márcio Gomes Pinto; Sanches, … - 2018

microeconomic model of bank competition that contemplates differences in the behavior of public and private banks and the …

Persistent link: https://www.econbiz.de/10011900116

On the Link Between Credit Procyclicality and Bank Competition

Bouvatier, Vincent - 2011

This paper investigates the relationship between bank competition and credit procyclicality for 17 OECD countries on … the 1986-2009 period. We account for heterogeneity among countries in terms of bank competition through the use of a … whether credit procyclicality is more important when the degree of bank competition is high. Our findings show that while …

Persistent link: https://www.econbiz.de/10013130621

Hampered interest rate pass-through : a supply side story?

Heckmann, Lotta; Moertel, Julia - 2020

This paper shows that the supply side of credit is a major factor for the phenomenonof hampered interest rate pass-through in monopolistic banking markets. Our data,covering all 1,555 small and medium sized banks in Germany, provides a clear wayto partial out demand shocks; we are thus able to...

Persistent link: https://www.econbiz.de/10012322286

Post-financial crisis times : only a short phase of re-intermediation and re-direction to boring banking business models? : regulatory burden, fintech competition and concentration processes

Schackmann-Fallis, Karl-Peter; Weiß, Mirko - In: Vierteljahrshefte zur Wirtschaftsforschung 87 (2018) 4, pp. 87-117

regulation and Europeanisation of supervision, however, -so far neglecting differences in risk profiles and bank sizes …-Anwendungen vorhandene Bank- und Finanzdienstleistungen ergänzen, aber nicht ersetzen werden. Wir warnen jedoch vor bestehenden …

Persistent link: https://www.econbiz.de/10012153544

Financial globalization : effects on banks' information acquisition and credit risk

Paik, Christopher - 2021

conduct investigations in the search of qualified loan borrowers. The model assumes that the domestic bank has a cost … advantage in evaluating a borrower’s credit quality compared to the competing foreign bank. Despite the cost heterogeneity, an … equilibrium exists in which two such banks coexist in the market. Specifically, the information cost advantaged bank orchestrates …

Persistent link: https://www.econbiz.de/10012607039