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Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Benkovskis, Konstantīns; Bielskis, … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015562447

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Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Beņkovskis, Konstantı̄ns; … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Beņkovskis, Konstantīns; … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Benkovskis, Konstantīns; Bielskis, … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Beņkovskis, Konstantīns; … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission: post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Benkovskis, Konstantīns; Bielskis, … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission : post-pandemic insights from nine european credit registers

De Jonghe, Olivier; Benkovskis, Konstantins; Bielskis, … - 2025

Book / Working Paper

Household borrowing and monetary policy transmission : post-pandemic insights from nine European credit registers

De Jonghe, Olivier; Beņkovskis, Konstantīns; … - 2026

Book / Working Paper

Bank macroprudential policies and borrower ESG performance

Cui, Jie; Haq, Mamiza; Ongena, Steven; Tan, Eric K. M. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609765

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Bank macroprudential policies and borrower ESG performance

Cui, Jie; Haq, Mamiza; Ongena, Steven; Tan, Eric K. M. - 2026

Book / Working Paper

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://ebvufind01.dmz1.zbw.eu/10015610815

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Stablecoins and monetary policy transmission

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

Book / Working Paper

Learning by doing: how a real access to credit products influence people's financial knowledge in Colombia

Morales-Neira, Camilo; Camacho-Murillo, Andrés - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611706

Multinational firms, internal borrowing, and domestic bank loans

Avdiu, Kujtim; Güntner, Jochen; Mayr, Karin; Segalla, … - 2026

We describe a novel mechanism via which multinational enterprises (MNEs) can serve to propagate productivity and credit supply shocks across borders. We augment the costly-state-verification model of Bernanke et al. [1999] with the internal capital market constraint of an MNE to analyze the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612336

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Multinational firms, internal borrowing, and domestic bank loans

Avdiu, Kujtim; Güntner, Jochen; Mayr, Karin; Segalla, … - 2025

Book / Working Paper

Financial Inclusion, Credit Booms, and Financial Stability Risk

Barajas, Adolfo - 2026

Economic benefits of financial inclusion, meaning a broadening access of the population to financial services, have been studied extensively, but less is known about its potential effects on financial stability. We explore the complementarity between credit booms and episodes of rapid expansion...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612695

The Nuanced Role of Government Credit in Monetary Policy Transmission

Chen, Sophia - 2026

We investigate the role of government credit in monetary policy transmission, using detailed credit registry data from Brazil. We find that government direct credit can effectively support small and medium-sized enterprises (SMEs) in a tight monetary policy environment, aligning with...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612709

External Drivers of Credit Cycles in Cambodia

Che, Natasha - 2026

This paper investigates the external drivers of Cambodia’s credit cycles using a dynamic factor model. Results indicate that common global and regional factors explain over 60 percent of credit growth variance, reflecting one of Asia’s highest sensitivities to external conditions. The...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612715

The impact of BigTech and Fintech credit on income inequality

Aktar, Mahbuba; El-Shagi, Makram - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015613466

Passive investors and loan spreads

Adler, Konrad; Dörr, Sebastian; Zhu, Xingyu - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015613790

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Passive investors and loan spreads

Adler, Konrad; Doerr, Sebastian; Zhu, Sonya - 2026

Book / Working Paper

Monetary policy, deposit funding shocks, and bank credit supply : bank-level IV evidence

Xu, Chenning - 2026

This paper examines how monetary tightening transmits to bank credit supply through deposit funding conditions during the 2022-23 cycle. Using a quarterly panel of more than 3,800 US commercial banks, it constructs predetermined exposure indices measuring depositor sophistication, branch...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015614173

Navigating credit dynamics : does it matter for firm-level investment? : evidence from AnaCredit

Kocabaş, Serkan; Saiz, Lorena - 2026

This study investigates how credit supply shocks impact firm-level investment across the euro area using the novel AnaCredit database. Employing the methodology developed by Amiti and Weinstein (2018), we decompose loan growth rates into four components: bank-specific, firm-specific,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015592622

When the spare tyre goes flat : monetary policy transmission through non-banks

Goncharenko, Roman; Lukmanova, Elizaveta - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015604781

Monetary policy exposure of banks and loan contracting

Degerli, Ahmet; Wang, Jing - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015605580

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

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625688

Do State SME Programs Work? Evidence from Loan Subsidies and Credit Guarantees in Kazakhstan

Melecky, Martin; Bizhan, Asset; Jambal, Ganbaatar; Ruiz … - 2026

This paper evaluates the employment and sales effects of two widely used financial support instruments for small and medium-sized enterprises, interest rate subsidies and credit guarantees, using administrative program data from Kazakhstan matched to the universe of firms. Utilizing staggered...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628264

Credit supply, firms, and earnings inequality

Moser, Christian; Saidi, Farzad; Wirth, Benjamin; … - 2026

We study the distributional consequences of monetary policy-induced credit supply in the German labor market. Firms in relationships with banks that are more exposed to the introduction of negative interest rates in 2014 experience a relative contraction in credit supply, associated with lower...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015639810

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Credit supply, firms, and earnings inequality

Moser, Christian; Saidi, Farzad; Wirth, Benjamin; … - 2026

Book / Working Paper

Complementarities between loan sales and standby letters of credit : a theoretical model

Gargalas, Vassilios N.; Corzo, Mario G. - 2026

In their traditional function, commercial banks engage in recourse loan sales while evaluating clients' creditworthiness and assuming risk. However, banks face regulatory constraints that prevent them from fully exploiting this activity. Loan sales with recourse are treated as deposits, and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015639896

Business owner wealth and the credit channel of monetary policy

Delēs, Manthos D.; Ferrando, Annalisa; Mulier, Klaas; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015640042

Major customers and firms' reliance on bank debt

Liu, Shiang; Sun, Liang - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015640599

Credit allocation for SMEs in an aging economy : evidence from the COVID-19 and global financial crises in Japan$h

Tsuruta, Daisuke - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641519

The heterogeneous bank lending channel of monetary policy

Abad, Jorge; Bigio, Saki; García-Villegas, Salomón; … - 2026

How does heterogeneity in banks' interest-rate risk exposure shape monetary policy transmission? We develop a quantitative macroeconomic model of heterogeneous banks to answer this question. We establish an irrelevance result: differences in interest-rate risk exposure between fixed- and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641864

Impaired credit dynamism and the innovation slowdown

Imai, Masami; Sakai, Koji; Sawada, Michiru - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641870

Do lending standards matter for non-financial corporate credit? : evidence from Albania

Papavangjeli, Meri; Skufi, Lorena; Geršl, Adam - 2026

This study investigates the relationship between lending standards and credit dynamics in Albania. Using a unique bank-level dataset from the Bank Lending Standards Survey, we differentiate between newly issued domestic-currency and foreign-currency loans to non-financial corporations. We...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641880

Staffing the private debt boom : skills, talent, and consequences

Ivashina, Victoria; Rotermund, Sophie-Dorothee; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641892

Supply side determinants of loan dollarization : micro-data evidence from Armenia

Grigoryan, Arthur; Geršl, Adam - 2026

This paper examines supply-side determinants of foreign currency loan issuance in the Armenian banking sector using a loan-level credit registry dataset spanning 2003-2024 - one of the longest single-country microdata samples in this literature. We estimate a binary logit model with bank and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641894

Credit and demand for green energy : evidence from small firms in Kenya

Zhang, Jiayue; Shu, Yunyu; Oluoch, Wycliffe - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015643440

When credit growth diverges : common dynamics and regional heterogeneity in Italy

Barbieri, Claudio; Guerini, Mattia; Napoletano, Mauro - 2026

We investigate the structure and evolution of credit growth across Italian provinces. Using an econometric approach based on Random Matrix Theory, we decompose regional credit dynamics into common and idiosyncratic components. We use a longitudinal dataset of credit at the provincial level...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015643989

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When credit growth diverges : common dynamics and regional heterogeneity in Italy

Barbieri, Claudio; Guerini, Mattia; Napoletano, Mauro - 2026

Book / Working Paper

Does Automatic Loan Approval Reduce Gender Bias in SME Lending?

Arraiz, Irani; Bruhn, Miriam; Ruiz Ortega, Claudia - 2026

This paper examines whether automatic credit approval can reduce gender bias in lending to small and medium-sized enterprises. The study team collaborated with a bank in Peru that piloted a new screening tool to generate psychometric credit scores. Applicants who scored above a predefined...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015655976

Tales that cost : folklore and bank loan spreads

Godlewski, Christophe J.; Weill, Laurent - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647424

Flexible debt relief and credit behavior : evidence from loan-level data

Worarit Vannavanit; Sommarat, Chantarat; Lathaporn … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015650751

External finance premium : market finance versus bank finance

Chiţu, Livia; Gori, Sofia; Gürkaynak, Refet S. - 2026

This paper is the first to simultaneously examine firms' market-based and bank-based external finance premia and investigate the behavior of corporate bond markets in the United States and the euro area, with a focus on country- and state-level heterogeneity in monetary unions. Using a unique...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015650832

Do credit and liquidity risks interact to shape bank stability? : evidence from an emerging banking system

Atari, Sana'; Bin Saddig, Ruaa; Awwad, Bahaa Sobhi Abde … - 2026

This paper examines whether the interaction between credit risk and liquidity conditions helps explain bank stability in a fragile and institutionally constrained banking environment. Using an annual panel of 13 Palestinian banks over 2011-2024 and measuring stability by the (log) Z-score, we...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015652373

Cost of credit, digital finance and bank capital : implications for MSME lending and performance in Kenya

Tiriongo, Samuel; Mulindi, Hillary; Nyagaka, Hesborn; … - 2026

The study examines how cost of credit, digital finance and bank capital shape MSME lending and performance in Kenya. Using FinAccess 2024 microdata and bank-level panel data (2011-2024), we estimate a control-function Probit, Mundlak Random Effects Logit and System-GMM model. Results show that...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015632481

Towards a framework for sustainable bank financing of SMEs in Kenya

Kodongo, Odongo - 2026

Data from the Central Bank of Kenya show that, in the 12 months to December 2024, the banking sector generated approximately 35.3% of its overall lendingrelated income from the MSME sector, almost half of which was from small and microenterprises (SMEs). During the same period, banks and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015632543

Discouraged borrowers and access to finance : evidence from Kenyan SMEs

Cheruiyot, Josea K. - 2026

This paper examines the incidence and determinants of credit rationing and borrower discouragement among Kenyan SMEs using firmlevel data from the 2018 World Bank Enterprise Survey. Only about onequarter of firms report no financing obstacles, while the majority face constraints of varying...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015632547

Firm-level geopolitical risk and bank debt financing : global evidence

Akyildirim, Erdinc; Colak, Gonul; Gozgor, Giray; Ho, Thang - 2026

This paper constructs a novel firm-level measure of geopolitical risk using textual analysis of 130,061 earnings conference call transcripts and examines its impact on firms' reliance on bank-based financing. Using a panel of 4,692 listed firms across 38 countries over 2005-2024, we find that...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015635459

Why do firms pay different interest rates on their bank loans?

Amiti, Mary; Kashyap, Anil K.; Kovner, Anna; Weinstein, … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636794

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Why Do Firms Pay Different Interest Rates on Their Bank Loans?

Amiti, Mary; Kashyap, Anil K.; Kovner, Anna; Weinstein, … - 2026

Book / Working Paper

Why do firms pay different interest rates on their bank loans?

Amiti, Mary; Kashyap, Anil K.; Kovner, Anna; Weinstein, … - 2026

Book / Working Paper

Measuring interregional fund flows in a dollarized economy : evidence from branch-level data of deposits and loans in Cambodia

Aiba, Daiju; You, Vithyea - 2026

Partial dollarization is a significant phenomenon in the banking sectors of many developing countries, yet evidence on its spread through bank branch networks remains scarce. This paper investigates interregional capital flows within Cambodia's banking system, characterized by the coexistence of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015637212

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Measuring interregional fund flows in a dollarized economy : evidence from branch-level data of deposits and loans in Cambodia

Aiba, Daiju; You, Vithyea - 2024

Book / Working Paper

In search of credit crunch (rationing) periods in Albania : a disequilibrium approach

Shijak, Gerti - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015637359

Modeling credit demand and supply of firms and households in Albania

Shijak, Gerti - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015637410

Adoption, incidence and welfare impacts of interestfree loans : evidence from solar PV

Cass, Leanne; Sato, Misato; Saussay, Aurélien - 2026 - This version: January 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015560784

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Adoption, incidence and welfare impacts of interest-free loans : evidence from solar PV

Cass, Leanne; Sato, Misato; Saussay, Aurélien - 2025

Book / Working Paper

LBO debt package structuring : from classic syndicated structures to the age of private credit

Zeisberger, Claudia; Kupryte, Ugne; Al Yakub, Muhammed; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015667012

An anatomy of Nepal's credit boom 1990-2025

Budha, Birendra Bahadur - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669052

Credit supply in the wake of distressed bank acquisitions

Banerjee, Ryan; González Rodríguez, Francisco; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015668398

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Credit supply in the wake of distressed bank acquisitions

Banerjee, Ryan; González Rodríguez, Francisco; … - 2026

Book / Working Paper

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

2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669521

Macroprudential FX regulations and small firms: unintended consequences for credit growth

Amado, María Alejandra - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669740

Risk aversion and credit access : solving financial exclusion through contract innovation

Ambler, Kate; Mohammed Mehrab Bin Bakhtiar; De Brauw, Alan - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015656859

Banking on Her Business : Expanding Credit via Cashflow-Based Lending in Ethiopia

Kinfe, Yemsrach; Ogba, Uloma; Weis, Toni - 2026

This June 2026 case study by the World Bank’s Africa Gender Innovation Lab (GIL), under the Innovations in Financing Women Entrepreneurs (IFWE) initiative and in partnership with Ethiopia’s Women Entrepreneurship Development Project (WEDP), examines how cashflow-based lending (CBL) can...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015673023

The price of borrowing for college : student loan interest rates, educational choices, and career tradeoffs

Guo, Naijia; Zhong, Ling - 2026

Federal student loan interest rates affect college financing, education and job choices, and career outcomes. Using U.S. microdata, we exploit changes in federal loan rates over time and regional variation in expected loan reliance. Higher interest rates reduce student loan take-up and the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015671842