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Series:Business Review  Bank:Federal Reserve Bank of Philadelphia 

Journal Article
Bank credit standards
Banks' lending standards at times seem too stringent and at other times too lax. The pattern seems to indicate that banks lend more easily in good times but tighten credit standards in lean times. But such a lending pattern may also be attributable to changes in borrowers' default risk over the business cycle or changes in the demand for loans, which rises and falls with GDP. Is there a systematic reason why banks might be too lax or too stringent in their lending? Economists have proposed a number of models to explain a bank lending cycle, including changes in bank capital, competition, or herding behavior. In "Bank Credit Standards," Mitchell Berlin discusses these models and the empirical evidence for each.
AUTHORS: Berlin, Mitchell
DATE: 2009-04

Journal Article
Has suburbanization diminished the importance of access to Center City?
Nine years ago, the Business Review examined the role that access to Center City Philadelphia played in people's choices about where to live and how to commute. Using 1980 census data, that analysis concluded that access to Center City by both car and public transportation shaped people's choices in important ways. But since 1980, the Philadelphia metropolitan area has undergone a great deal of change, including a decentralization of both population and employment. In this article, Dick Voith revisits the questions first posed almost a decade ago to see how employment and population shifts influenced people's choices in the 1990s.
AUTHORS: Voith, Richard
DATE: 2000-05

Journal Article
Trade deficits and the dollar: a macroeconomic perspective
AUTHORS: Meyer, Stephen A.
DATE: 1986-09

Journal Article
Is the personal bankruptcy system bankrupt?
Loretta Mester outlines the components of reform proposals. She then looks at the empirical research on personal bankruptcy to evaluate the rationale for reforming the system and the effectiveness of proposed changes. ; Also issued as Payment Cards Center Discussion Paper No. 02-02
AUTHORS: Mester, Loretta J.
DATE: 2002-01

Journal Article
Does lower unemployment reduce poverty?
In "Does Lower Unemployment Reduce Poverty?" Bob DeFina considers the link between unemployment and poverty. How strong the link is depends critically on how we measure poverty. During the past two decades, researchers have identified numerous shortcomings in the government's official procedures for determining the extent of poverty. DeFina presents empirical evidence that improved measures of poverty are less strongly related to changes in unemployment than the headcount rate, the government's official measure.>
AUTHORS: DeFina, Robert H.
DATE: 2002-07

Journal Article
The productivity perplex: a concern for the supply side
AUTHORS: Hannan, Timothy H.
DATE: 1980-03

Journal Article
Smart money or dumb money: investors' role in the housing bubble
To explain the historic housing boom and bust, most analysis has identified easy credit in the form of low interest rates, subprime mortgages, and relaxed qualifications for borrowers. But as Wenli Li explains, recent research suggests an additional factor: real estate speculation.
AUTHORS: Li, Wenli
DATE: 2015-01

Journal Article
Banking trends: how our region differs
Small banks headquartered in the tristate area differ from small banks in other regions of the country in some puzzling ways. What regional market forces are bankers here responding to? James DiSalvo and Ryan Johnston narrow down the possibilities.
AUTHORS: DiSalvo, James; Johnston, Ryan
DATE: 2015-07

Journal Article
A personal consumption tax: can it break the capital formation deadlock?
AUTHORS: Seidman, Laurence S.
DATE: 1981-01

Journal Article
Commentary: The McFadden Act: is change in the making?
AUTHORS: Boehne, Edward G.
DATE: 1979-07

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Carlino, Gerald A. 25 items

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