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Keywords:Loans, Personal 

Personal bankruptcy and credit market competition

The effect of credit market competition on borrower default is theoretically ambiguous, because the quantity of credit supplied may rise or fall following an increase in competition. We investigate empirically the relationship between credit market competition, lending to households, and personal bankruptcy rates in the United States. We exploit the exogenous variation in market contestability brought on by banking deregulation at the state level: after deregulation, banks faced the threat of entry into their state markets. We find that deregulation increased competition for borrowers, ...
Staff Reports , Paper 272

Conference Paper
Strategic pricing of payday loans: evidence from Colorado, 2000-2005

Proceedings , Paper 1040

Conference Paper
Best practices in consumer lending: using sophisticated marketing to earn high ROI

Proceedings , Paper 987

Conference Paper
SMEs and bank lending relationships: the impact of mergers

This paper studies the impact of bank mergers on firm-bank lending relationships using information from individual loan contracts in Belgium. We analyze the effects of bank mergers on the probability of borrowers maintaining their lending relationships and on their ability to continue tapping bank credit. The Belgian financial environment reflects a number of interesting features: high banking sector concentration; ?in-market? mergers with large target banks; importance of large banks in providing external finance to SMEs; and low numbers of bank lending relationships maintained by SMEs. ; We ...
Proceedings , Paper 993

Conference Paper
A re-examination of the role of relationships in the loan-granting process

We reexamine the role of relationships in the loan granting process overall. A practical implication emerging from the classical studies on the role of relationships in credit rationing is that good relationships between a borrower and his lender should, in fact, work to lower the interest rate charged to the borrower. We test this implication in our paper using a robust sample selection methodology that explicitly accounts for the entire fabric of the loan granting process, including a borrower?s decision to apply to the bank for a loan (or not), whether a bank approves the application for a ...
Proceedings , Paper 960

Conference Paper
Making regulation work for consumers and banks

Proceedings , Paper 973

Conference Paper
Consumer lending at community banks

Proceedings , Paper 972

Conference Paper
Scale economies at payday loan stores

Proceedings , Paper 1039

Conference Paper
CRA agreements and small business lending: is there a \\"there\\" there?

Proceedings , Paper 1015

Conference Paper
Evidence of bank information monopolies across the business cycle

Proceedings , Paper 981


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