Search Results - subject_exact:"Bank lending"

Hwang, Sunjoo - 2026

This paper examines the impact of a retail type of Central Bank Digital Currency (CBDC) on bank lending. While concerns exist that CBDC could reduce bank lending by diverting deposits from commercial banks to the central bank, this paper argues that the relationship between CBDC and bank lending...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654801

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CBDC and bank money creation

Hwang, Sunjoo - 2026

Article

Severe weather and collateral practices

Cella, Cristina; Schubert, Valentin - 2026

Physical climate risks significantly influence banks' collateral practices. Drawing on comprehensive loan-level data from Sweden, we find that adverse weather events increase both the likelihood and the amount of collateral required for new loans. For existing loans, banks are less inclined to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015564014

Stablecoins and monetary policy transmission

Altavilla, Carlo; Boucinha, Miguel; Burlon, Lorenzo; … - 2026

This paper studies the effects of stablecoin adoption-crypto-assets designed to maintain a stable value relative to a reference asset-on bank intermediation and the transmission of monetary policy. Using evidence from the rapid expansion of stablecoins combined with confidential granular data on...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610815

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Stablecoins and monetary policy transmission

Altavilla, Carlo; Boucinha, Miguel; Burlon, Lorenzo; … - 2026

Book / Working Paper

Taxonomy talks, credit walks : the EU's climate disclosure framework and bank lending

Kirschenmann, Karolin; Koch, Felicitas; Schickfus, … - 2026

We study how mandatory climate-related disclosure affects bank lending using the phased introduction of the EU Taxonomy Regulation. Exploiting the staggered development and implementation of the regulation, we distinguish banks’ responses to anticipated disclosure requirements from their...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015590170

Banking on forest

Gu, Xian; Irresberger, Felix; Zhao, Hao; Zhu, Yun - 2026 - Last revised: January 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604153

Euroisation and the bank lending channel of monetary policy : evidence from Czechia

Gric, Zuzana; Janků, Jan; Malovaná, Simona - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625688

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026 - This version: April 20, 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015653218

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Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Book / Working Paper

Financial liberalizations, booms, and crashes

Grimm, Maximilian; Schularick, Moritz; Verner, Emil - 2026

Book / Working Paper

Cooperative credit banks and economic fluctuations : the Italian case

Caporale, Guglielmo Maria; Alessi, Matteo - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015637265

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Cooperative credit banks and economic fluctuations : the Italian case

Caporale, Guglielmo Maria; Alessi, Matteo - 2024

Book / Working Paper

The impact of banks' interest rate risk on monetary policy transmission

Dursun-de-Neef, Özlem; Er, Tarık Alperen; Yarba, Ibrahim - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015559626

The real effects of monetary policy transmission via the floating-rate channel

2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669521

Central bank reserves and banks' portfolio rebalancing in the euro area

Lampousis, Athanasios; Migiakis, Petros - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665282

Multiple structural breaks in interactive effects panel data models

Ditzen, Jan; Karavias, Yiannis; Westerlund, Joakim - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015372714

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015358002

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Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie Firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025 - January 2025

Edition: January 2025

Book / Working Paper

Credit market tightness and zombie firms : theory and evidence

Hamano, Masashige; Schnattinger, Philip; Shintani, Mototsugu - 2025

Book / Working Paper

"Time for a change of scenery" : loan conditions when firms switch bank branches

Gong, Di; Ongena, Steven; Qi, Shusen; Yu, Yanxin - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015211782

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"Time for a change of scenery" : loan conditions when firms switch bank branches

Gong, Di; Ongena, Steven; Qi, Shusen; Yu, Yanxin - 2024

Book / Working Paper

Bank lending and firm internal capital markets following a deglobalization shock

Imbierowicz, Björn; Nagengast, Arne J.; Prieto, Esteban; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015574492

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Bank lending and firm internal capital markets following a deglobalization shock

Imbierowicz, Björn; Nagengast, Arne J.; Prieto, Esteban; … - 2025

Book / Working Paper

Bank lending and firm internal capital markets following a deglobalization shock

Imbierowicz, Björn; Nagengast, Arne J.; Prieto, Esteban; … - 2025

Book / Working Paper

Macroprudential and monetary policy tightening : more than a double whammy?

Behn, Markus; Claessens, Stijn; Gambacorta, Leonardo; … - 2025

We investigate the interaction between monetary and macroprudential policy in affecting banks' lending and risk-taking behaviour using rich euro area credit registry data and exploiting a unique setting that combined a sharp and unexpected monetary tightening with a wave of macroprudential...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015340197

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Macroprudential and monetary policy tightening: more than a double whammy?

Behn, Markus; Claessens, Stijn; Gambacorta, Leonardo; … - 2025

Book / Working Paper

Macroprudential and monetary policy tightening : more than a double whammy?

Behn, Markus; Claessens, Stijn; Gambacorta, Leonardo; … - 2025

Book / Working Paper

How do macroprudential policies affect corporate investment? : insights from EIBIS data

Alper, Koray; Baskaya, Soner; Shi, Shuren - 2025

This study investigates the influence of macroprudential policies (MaPs) on corporate investment, employing firm-bank level microdata from the European Investment Bank Investment Survey (EIBIS) for the period 2015-2022. We initially document that MaP tightening, particularly through supply-based...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015194172

Why does the yield curve predict GDP growth? : the role of banks

Minoiu, Camelia; Schneider, Andrés; Wei, Min - 2025

We show that the slope of the yield curve affects bank lending and economic activity through an "expected bank profitability channel." Using detailed banking data and term premium shocks identified via instrumental variables or event studies, we show that a steeper yield curve-when driven by...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015419869

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Why does the yield curve predict GDP growth? : the role of banks

Minoiu, Camelia; Schneider, Andrés; Wei, Min - 2023

Book / Working Paper

Why does the yield curve predict GDP growth? : the role of banks

Minoiu, Camelia; Schneider, Andrés; Wei, Min - 2023 - This draft: July 10, 2023

Edition: This draft: July 10, 2023

Book / Working Paper

Technical development of countercyclical capital buffer implementation in Mongolia's banking sector

Oyungerel, Enkhbaatar; Erdenebileg, Urangoo - 2025

This paper attempts to develop a framework for implementing the Countercyclical Capital Buffer (CCyB) in Mongolia's banking sector by identifying early warning indicators of systemic risk and examining the impact of capital adequacy on bank lending. Using quarterly data from 2000 to 2024, the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015423905

Negative interest rates, bank capital and lending behaviours

Dai, Zixuan; Xu, Lei - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467670

The post-2015 German lending surge : what role for QE?

Eiblmeier, Sebastian - 2025

This paper uses German microdata to test whether the ECB's quantitative easing (QE) spurred bank lending to non-financial firms. Bank-firm loan data allow me to control for loan demand at firm level. The share of bonds in banks' total assets before QE serves as treatment proxy. While the effects...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015449390

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The post-2015 German lending surge: What role for QE?

Eiblmeier, Sebastian - 2025

Book / Working Paper

Geopolitical risk and global banking

Niepmann, Friederike; Shen, Leslie Sheng - 2025

How do banks respond to geopolitical risk, and is this response distinct from other macroeconomic risks? Using U.S. supervisory data and new geopolitical risk indices, we show that banks reduce cross-border lending to countries with elevated geopolitical risk but continue lending to those...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015450744

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Geopolitical risk and global banking

Niepmann, Friederke; Shen, Leslie Sheng - 2025

Book / Working Paper

Geopolitical risk and global banking

Niepmann, Friederike; Shen, Leslie Sheng - 2025 - This version: August 2025

Edition: This version: August 2025

Book / Working Paper

Bank financing of global supply chains

Alfaro, Laura; Brussevich, Mariya; Minoiu, Camelia; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015410706

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Bank financing of global supply chains

Alfaro, Laura; Brussevich, Mariya; Minoiu, Camelia; … - 2025

Book / Working Paper

Heterogeneous UIPDs across firms: spillovers from U.S. monetary policy shocks

Acosta-Henao, Miguel; Amado, María Alejandra; Martí, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015408416

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Heterogeneous UIPDs across firms : spillovers from U.S. monetary policy shocks

Acosta-Henao, Miguel; Amado, María Alejandra; Martí, … - 2025

Book / Working Paper

Commercial real estate loans in Europe : does loan-to-value at origination predict default risk?

Ciocchetta, Federica; Pico, Raffaella; Quaglia, Ivan - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015408423

Biodiversity risk and small business lending

Nguyen, Duc Duy; Ongena, Steven; Qi, Shusen; Sila, Vathunyoo - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015413298

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Biodiversity risk and small business lending

Nguyen, Duc Duy; Ongena, Steven; Qi, Shusen; Sila, Vathunyoo - 2025

Book / Working Paper

Central bank liquidity support, bank lending, and the end of currency competition

Grodecka-Messi, Anna; Zhang, Xin - 2025

Private money creation lies at the heart of currency competition due to seigniorage rents that are an important contributor to banks' franchise values. However, it undermines the role of central bank in money provision and has been historically a contentious issue. As shifting from private to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015438050

Climate risk and bank lending in South Africa

Chiappini, Helen; Nieri, Laura; Piserà, Stefano - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015445116

Why do SMEs not apply for loans? : bank loan application behavior and access to finance in the Euro area

Horky, Florian; Fidrmuc, Jarko; Klacso, Jan; Martin, Reiner - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561702

The role of macroprudential policy in times of trouble

Chadha, Jagjit; Corrado, Germana; Corrado, Luisa; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015583597

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The role of macroprudential policy in times of trouble

Chadha, Jagjit; Corrado, Germana; Corrado, Luisa; … - 2025

Book / Working Paper

Information frictions inside a bank : evidence from borrower switching between branches

Gong, Di; Ongena, Steven; Qi, Shusen; Yu, Yanxin - 2025

Banks are multidivisional organizations in which branches hold local knowledge about borrowers. Can this "soft" information be transmitted across units? Studying the population of corporate loans originated by a large commercial bank in China from 2010 to 2020, we find that when firms switch...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015476713

Hidden weaknesses : the role of unrealized losses in monetary policy transmission

De Vito, Antonio; Kagerer, Benedikt; Pancaro, Cosimo; … - 2025

This paper investigates how unrealized losses on banks' amortized cost securities affect monetary policy transmission to bank lending in the euro area. Leveraging the sharp increase in interest rates between 2022 and 2023 and using granular supervisory data on security holdings and loan-level...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015573343

Banks' specialization and private information

Casado, Alejandro; Martínez-Miera, David - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015574331

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Banks' specialization and private information

Casado, Alejandro; Martinez-Miera, David - 2025

Book / Working Paper

Better than risk-free : reserve premiums and bank lending

Kim, Raymond - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015396505

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Better than Risk-Free : Reserve Premiums and Bank Lending

Kim, Raymond - 2023

Book / Working Paper

Monetary policy and real estate price distortions : how bank lending amplifies housing market imbalances

Baye, Vera; Dinger, Valeriya - 2025

We empirically document deviations of residential real estate prices from fundamental values at the micro level and investigate their relationship with local bank lending growth during a period of unconventional monetary policy. Our findings indicate a positive relationship between credit growth...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015397364

Cross-border bank flows, regional household credit booms, and bank risk-taking

Boddin, Dominik; Kaat, Daniel Marcel te; Roszbach, Kasper - 2025

This paper provides novel microlevel evidence that cross-border bank flows are an important means for households to access credit, not only in emerging markets but also in advanced economies. Using supervisory bank-level data alongside household credit and consumption data from Germany, we study...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015399451

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Cross-border bank flows, regional household credit booms and bank risk-taking

Boddin, Dominik; Kaat, Daniel Marcel te; Roszbach, Kasper - 2024

Book / Working Paper

Sentiment driven loans

Fišera, Boris; Košťálová, Zuzana; Lyócsa, Štefan - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015531951

Insurance, weather, and financial stability

Kahn, Charles M.; Panjwani, Ahyan; Santos, João A. C. - 2024 - This version, July 12, 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015056514

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Insurance, weather, and financial stability

Kahn, Charles M.; Panjwani, Ahyan; Santos, João A. C. - 2024

Book / Working Paper

Micro uncertainty and the lending channel : bank-level evidence in an emerging market

Thuy Tien Ho - 2024

Purpose: Existing research on uncertainty and bank lending has focused entirely on aggregate uncertainty (i.e., economic policy uncertainty) and its subcomponents, but not considering other uncertainty measures from the specif-ic perspective of financial markets, especially the banking sector....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015069393

Climate risk and financial stability : evidence from syndicated lending

Conlon, Thomas; Ding, Rong; Huan, Xing; Zhang, Zhifang - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015323734

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Climate risk and financial stability : evidence from syndicated lending

Conlon, Thomas; Ding, Rong; Huan, Xing; Zhang, Zhifang - 2024

Book / Working Paper

Do mortgage lenders respond to flood risk?

Blickle, Kristian; Perry, Evan; Santos, João A. C. - 2024

Using unique nationwide property-level mortgage, flood risk, and flood map data, we analyze whether lenders respond to flood risk that is not captured in FEMA flood maps. We find that lenders are less willing to originate mortgages and charge higher rates for lower LTV loans that face...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014532009

Overconfident bank CEOs : risk amplification amid economic uncertainty

Addo, Kwabena Aboah; Pathan, Shams; Ongena, Steven - 2024 - This draft: April 30,2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014533702

More data, more credit? : information sharing and bank credit to households

Briglevics, Tamás; Karapetyan, Artashes; Ongena, Steven; … - 2024

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying to competitor banks and those reapplying to their...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014500915

BigTech credit, small business, and monetary policy transmission : theory and evidence

Huang, Yiping; Li, Xiang; Qiu, Han; Su, Dan; Yu, Changhua - 2024 - This version: 22.04.2024

This paper provides both theoretical and empirical analyses of the differences between BigTech lenders and traditional banks in response to monetary policy changes. Our model integrates Knightian uncertainty into portfolio selection and posits that BigTech lenders possess a diminishing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014517651

Aggregate demand and monetary policy transmission mechanism in Zambia

Waakumelo, Mataa - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015123485

Buying insurance at low economic cost - the effects of bank capital buffer increases since the pandemic

Behn, Markus; Forletta, Marco; Reghezza, Alessio - 2024

Using granular data from the European corporate credit register, we examine how increases in macroprudential capital buffer requirements since the pandemic have affected bank lending behaviour in the euro area. Our findings reveal that, for the average bank, the buffer requirement increases did...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015149558

Spillover effects of foreign currency loans : the role of the bank lending channel

Filep‐Mosberger, Palma; Kaszab, Lorant; Ren, Zhou - 2024

Local currency borrowers are statistically significantly affected by exchange rate fluctuations due to the bank lending channel. Using microdata on borrowers from Hungary, this study examines the spillover effects of foreign currency loans on local currency borrowers following an unexpected...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015115002

The impact of capital and liquidity requirements on the lending ability of banks in Pakistan

Siddiqui, Talha Ahmed; Iftikhar, Syed Faizan; Iftikhar, … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015202333

Local lending specialization and monetary policy

Casado, Alejandro; Martínez-Miera, David - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015175711

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Local lending specialization and monetary policy

Casado, Alejandro; Martinez-Miera, David - 2024

Book / Working Paper

Upstarts vs incumbents : the interaction between fintech credit and bank lending in Sub-Saharan Africa

Mashamba, Tafirei; Gani, Shenaaz - 2024

This study analyzes how fintech credit affects bank lending in Sub-Saharan Africa (SSA) and how this relationship is influenced by financial inclusion measured by bank branch networks. We utilized the system GMM to examine data spanning 19 SSA economies from 2013 to 2019. This study finds that...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015359354