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Journal Article
Are SBA loan guarantees desirable?
Craig, Ben R.; Thomson, James B.; Jackson, William E. (2004-09)
Over the last 10 years, the Small Business Administration has been responsible for well over $100 billion in small business credit extensions, more than any single private lender. This Commentary explores the motivations for such a large investment of taxpayer dollars.
Economic Commentary , Issue Sep

Journal Article
The Rise in Loan-to-Deposit Ratios: Is 80 the New 60?
DiSalvo, James; Johnston, Ryan (2017-07)
Liquidity ratios at small banks have climbed in recent decades. Why has this happened? Should regulators be concerned? A traditional signal that a bank may not have enough liquid assets to cover a sudden loss of funding has increased dramatically at small banks in recent decades. Small banks? median ratio of the value of their loans outstanding to the value of their deposits has risen from around 60 percent in the second half of the 1980s to around 80 percent today. Meanwhile, the same measure of liquidity has increased about 5 percentage points at large banks. How can we explain this big ...
Economic Insights , Volume 2 , Issue 3 , Pages 18-23

Conference Paper
Scale economies at payday loan stores
Samolyk, Katherine A.; Flannery, Mark J. (2007)
Proceedings , Paper 1039

Journal Article
Turning uncertainty into risk: why data are the key to greater investment
Tingerthal, Mary (2006)
Proceedings of the Conference on the Secondary Market for Community Development Loans. <p> The role of data dominated much of the discussion at the Federal Reserve?s Secondary Market for Community Development Loans Conference. In our discussions of how to attract new investors to the field, the group reviewed all the things that investors are looking for: volume, geographic diversity, homogeneous assets, etc. But what became clear was that, above all, investors need data. Any investment is possible only if the investor has the necessary information?the data?to decide whether to make an ...
Community Development Innovation Review , Issue 2 , Pages 24-30

Working Paper
Loan guarantees for consumer credit markets
Athreya, Kartik B.; Tam, Xuan S.; Young, Eric (2011)
Loan guarantees are arguably the most widely used policy intervention in credit markets, especially for consumers. This may be natural, as they have several features that, a priori, suggest that they might be particularly effective in improving allocations. However, despite this, little is actually known about the size of their effects on prices, allocations, and welfare. ; In this paper, we provide a quantitative assessment of loan guarantees, in the context of unsecured consumption loans. Our work is novel as it studies loan guarantees in a rich dynamic model where credit allocation is ...
Working Paper , Paper 11-06

Conference Paper
Credit scoring and small business lending in low- and moderate-income communities
Woosley, Lynn W.; Padhi, Michael; Srinivasan, Aruna (1999)
Proceedings , Paper 783

Conference Paper
The effect of bank mergers on loan prices: evidence from the U.S.
Erel, Isil (2005)
Proceedings , Paper 994

Journal Article
A jump in consumer loans?
Gopalan, Yadav K.; El-Ghazaly, Hoda S. (2010)
The dramatic increases [in consumer loans] over the past few months have been caused by a new reporting requirement issued by the Financial Accounting Standards Board.
Economic Synopses

Working Paper
Loan regulation and child labor in rural India
Dasgupta, Basab; Zimmermann, Christian (2012)
We study the impact of loan regulation in rural India on child labor with an overlapping-generations model of formal and informal lending, human capital accumulation, adverse selection, and differentiated risk types. Specifically, we build a model economy that replicates the current outcome with a loan rate cap and no lender discrimination by risk using a survey of rural lenders. Households borrow primarily from informal moneylenders and use child labor. Removing the rate cap and allowing lender discrimination markedly increases capital use, eliminates child labor, and improves welfare of all ...
Working Papers , Paper 2012-027

Conference Paper
Social capital and the cost of business loan contracting
Uzzi, Brian; Lancaster, Ryon (2001)
Proceedings , Paper 792

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