Working Paper
The role of banks in influencing regional flow of funds
Samolyk, Katherine A. (1989)
A presentation of a theoretical model of regional banking using plausible information asymmetries to explain how local bank capital may affect the funding of regional investments, concluding that regional banking conditions can affect the efficiency of investment and the level of future aggregate output.
Working Papers (Old Series) , Paper 8914

Journal Article
Is household debt inhibiting the recovery?
Byrne, Susan M.; Samolyk, Katherine A.; Altig, David E. (1992-02)
An examination of the pattern of household debt and asset levels in a historical context, whose results cast doubt on the presumption that heavy consumer debt loads incurred during the 1980s are the cause of the economy's current sluggishness.
Economic Commentary , Issue Feb

Journal Article
Does small business need a financial fix?
Samolyk, Katherine A.; Humes, Rebecca Wetmore (1993-05)
An evaluation of several proposals that would promote additional lending to the small business sector, some through direct government intervention and others by changing existing regulations to promote the market's allocation of credit. The authors argue that market-oriented initiatives are the preferred approach for improving a small-business credit crunch.
Economic Commentary , Issue May

Conference Paper
Payday lending: do the costs justify the price?
Samolyk, Katherine A.; Flannery, Mark J. (2005)
Proceedings , Paper 949

Journal Article
Examining the microfoundations of market incentives for asset-backed lending
Samolyk, Katherine A.; Carlstrom, Charles T. (1993-01)
A review of four papers that model market-based (as opposed to regulatory-based) forces driving the asset-backed lending market, revealing that under certain conditions, the information costs that make financial markets important as conduits of credit can also create nonregulatory incentives for asset-backed lending as an efficient funding mode.
Economic Review , Volume 29 , Issue Q I , Pages 27-38

Conference Paper
The impact of bank consolidation on CRA business lending
Richardson, Christopher A.; Samolyk, Katherine A. (2001)
Proceedings , Paper 771

Journal Article
Increasing national saving: are IRAs the answer?
Samolyk, Katherine A.; Altig, David E. (1991-09)
An argument that curtailing deductions for personal interest expense would be a more effective strategy for increasing national saving.
Economic Commentary , Issue Sep

Journal Article
Financial fragility and regional economic growth
Samolyk, Katherine A.; Humes, Rebecca Wetmore (1991-09)
An examination of the potential link between local financial problems and regional economic growth, discussing how the health of the financial sector can affect economic performance when credit markets are segmented along regional lines.
Economic Commentary , Issue Sep

Journal Article
U.S. banking sector trends: assessing disparities in industry performance
Samolyk, Katherine A. (1994-04)
An investigation of the extent to which variations in banking conditions over the past decade were associated with differences in bank size and holding company relationships, finding that very large banks had more problems with loan quality and poor profitability than did smaller banks, and that smaller banks benefited by affiliating with holding companies.
Economic Review , Volume 30 , Issue Q II , Pages 2-17

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