- Money and Banking🔍
- Bank Competition and Financial Stability🔍
- An Evaluation of the Contractionary Deflation Hypothesis🔍
- 1 How does bank competition affect credit risk? Evidence from loan ...🔍
- The sensitivity of life insurance firms to interest rate changes;🔍
- COVID|19 pandemic impact on banking sector🔍
- Assessing the Common Ownership Hypothesis in the US Banking ...🔍
- Bank Transparency and Deposit Flows*🔍
The co|insurance effect hypothesis and the cost of bank loans
Money and Banking: Adverse Selection and Moral Hazard
Effectively there is no longer individual health insurance: the sick are paying for the (high) cost of their care, and the healthy are uninsured. 7. Page 8 ...
This argument is known as the 'competition-fragility' hypothesis (Keeley, 1990). In a more competitive environment banks lose their “charter value” and are more ...
Amir Sufi | The University of Chicago Booth School of Business
A central idea in macroeconomic theory is that negative price effects from ... bank debt with tight covenants and subordinated non-bank debt with loose covenants.
An Evaluation of the Contractionary Deflation Hypothesis
Boston, United States: Federal Reserve Bank of Boston. Bonomo, M., B. Martins and R. Pinto. 2003. “Debt Composition and Exchange Rate Balance. Sheet Effects in ...
1 How does bank competition affect credit risk? Evidence from loan ...
Then, we can test the two competing hypotheses: Under the moral hazard (charter value) view, the probability of loan default decreases (increases) with the ...
Hypothesis H1 represents the effect of interest rates on the existing ... Bank loans typically have shorter maturities than life insurance liabilities ...
COVID-19 pandemic impact on banking sector - PubMed Central
... banks differently. For example, Ҫolak and Öztekin (2021) examine the effect of the pandemic on international bank lending. They found that bank ...
Assessing the Common Ownership Hypothesis in the US Banking ...
To assess the COH along non-price dimensions we also estimate the effect of CO on deposit quantities, and find that the estimates are also not consistent with ...
Bank Transparency and Deposit Flows*
Column (1) models the effect on total loans. The ... Trade secrets law and corporate disclosure: Causal evidence on the proprietary cost hypothesis.
The Pecking Order Hypothesis or Static Tradeoff Theory
... debt just offsets the cost of debt. (Fama and French, 2002); once beyond the target, the costs of financial distress will have a negative effect. The static ...
... cost of banks, leading to a reduction in bank lending (the “bank ... bank-firm relationships to isolate the effect of reductions in loan.
Can firms run away from climate-change risk? Evidence from the ...
In this section, we investigate the effect of SLR risk on the cost of bank loans. ... banks do not view collateral as an effective insurance against SLR risk.
Fintech, Regulatory Arbitrage, and the Rise of Shadow Banks - FDIC
interestingly, loans with lower loan-to-value ratios also tend to be shadow bank loans. ... Since these insurance fees depend on a few key loan and borrower ...
Why is Dollar Debt Cheaper? Evidence from Peru
trolling for firm*quarter and bank*quarter fixed effects, firms pay 2.03% lower financing costs – after ... These differences are consistent with the hypothesis ...
Cost of Capital - Morgan Stanley
The terms of debt financing, the magnitude and timing of cash flows, are established by contract. Investors are left to determine only the risk ...
... debt management, financial literacy and consumer protection, pensions, and insurance. Learn more. Infrastructure. Infrastructure plays a critical role in the ...
Analysis and Valuation of Insurance Companies - Columbia University
effective interest rate and overstatement of the amount of debt—but the first effect dominates; ... Senior secured floating-rate bank loans for life insurance ...
The impacts of climate change on bank performance
... banks to deal with deposits and loans, which will affect bank ... Residents typically deposit their capital in banks, and the loan rate ...
Does Directors' and Officers' Insurance Deter Corporate Fraud？A ...
Previous studies focus on the supervisory effect of bank loans ... affect the cost of corporate fraud. ... effect hypothesis. These conclusions remain valid ...
Determinants of non-performing loans in the banking sector in ...
Originality/value. The study is an attempt to investigate various banking factors that affect the NPLs with respect to developing economies such ...