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Access to Finance: An Unfinished Agenda

Thorsten Beck and Asli Demirgüç-Kunt.

in The World Bank Economic Review

October 2008; p ublished online November 2008 .

Journal Article. Subjects: Financial Institutions and Services; Banking; Economic Development. 5523 words.

Recent data compilations show that many poor and nonpoor people in many developing countries face a high degree of financial exclusion and high barriers in access to finance. Theory and...

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Access to Financial Services: Measurement, Impact, and Policies

Thorsten Beck, Asli Demirgüç-Kunt and Patrick Honohan.

in The World Bank Research Observer

February 2009; p ublished online February 2009 .

Journal Article. Subjects: Microeconomics; Financial Institutions and Services; Banking; Economic Development. 9503 words.

In many developing countries less than half the population has access to formal financial services, and in most of Africa less than one in five households has access. Lack of access to...

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The adverse selection problem in imperfectly competitive financial markets

Ville Mälkönen and Timo Vesala.

in Oxford Economic Papers

October 2013; p ublished online November 2012 .

Journal Article. Subjects: Information, Knowledge, and Uncertainy; Banking; Market Structure, Firm Strategy, and Market Performance; Market Structure and Pricing. 5695 words.

We show that two horizontally differentiated banks can implement separating equilibria in markets for bank loans by using non-linear price schedules. The optimal strategies of the banks...

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Are All the Sacred Cows Dead? Implications of the Financial Crisis for Macro- and Financial Policies

Aslı Demirgüç-Kunt and Luis Servén.

in The World Bank Research Observer

February 2010; p ublished online February 2010 .

Journal Article. Subjects: Economics; Monetary Policy, Central Banking, and the Supply of Money and Credit; International Finance; Financial Regulation; Banking; Corporate Governance. 14710 words.

The recent global financial crisis has shaken the confidence of industrial and developing countries alike in the very blueprint of the financial and macropolicies that underlie the Western...

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Are Small Businesses Worthy of Financial Aid? Evidence from a French Targeted Credit Program

Laurent Bach.

in Review of Finance

July 2014; p ublished online June 2013 .

Journal Article. Subjects: Financial Regulation; Banking; Services. 16619 words.

We ask whether public financial aid reduces small businesses’ credit constraints. To answer the question, we analyze a policy of bank loans made from subsidized funds. Extensions of this...

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Assessing TARP

Dinara Bayazitova and Anil Shivdasani.

in The Review of Financial Studies

February 2012; p ublished online November 2011 .

Journal Article. Subjects: Financial Regulation; Banking. 14762 words.

We study the government equity infusions into banks under the Capital Purchase Program (CPP) of the Troubled Asset Relief Program (TARP). Strong banks opted out of CPP, and equity infusions...

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Asset Fire Sales by Banks: Evidence from Commercial REO Sales

Yongqiang Chu.

in The Review of Corporate Finance Studies

March 2016; p ublished online October 2015 .

Journal Article. Subjects: Economics; Banking; Corporate Governance; Bankruptcy. 9994 words.

I study asset fire sales by commercial banks during the financial crisis. Specifically, I find that banks with lower liquidity levels post lower asking prices, receive lower sale prices,...

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The Attractions and Perils of Flexible Mortgage Lending

Mark J. Garmaise.

in The Review of Financial Studies

October 2013; p ublished online August 2013 .

Journal Article. Subjects: Banking; Household Behaviour and Family Economics. 15803 words.

A mortgage program that offered borrowers greater flexibility in the timing of repayments increased a bank's volume by over 35%. Loans in the program exhibited superior performance. Despite...

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Bailouts and Financial Fragility

Todd Keister.

in The Review of Economic Studies

April 2016; p ublished online October 2015 .

Journal Article. Subjects: Banking; Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General Outlook; Financial Regulation. 16296 words.

Should policy makers be prevented from bailing out investors in the event of a crisis? I study this question in a model of financial intermediation with limited commitment. When a crisis...

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Bank Bailouts and Moral Hazard: Evidence from Germany

Lammertjan Dam and Michael Koetter.

in The Review of Financial Studies

August 2012; p ublished online April 2012 .

Journal Article. Subjects: Multiple or Simultaneous Equation Models; Multiple Variables; Game Theory and Bargaining Theory; Banking; Financial Regulation; Regulation and Industrial Policy. 16089 words.

We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout...

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