Browsing Produção Intelectual em Bases Externas by Author "Behr, Patrick Gottfried"
Now showing items 1-7 of 7
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Did government regulations lead to inflated credit ratings?
2018Securities and Exchange Commission (SEC) regulations in 1975 gave select rating agencies increased market power by increasing both barriers to entry and the reliance on ratings for regulations. We test whether these ... -
The effect of information sharing between lenders on access to credit, cost of credit, and loan performance - evidence from a credit registry introduction
2012-11Using a rich dataset from a commercial bank in Albania, we utilize the introduction of a public credit registry by the Albanian central bank in January 2008 as a natural experiment to analyze the effect of information ... -
Financial constraints of private firms and bank lending behavior
2013-09We investigate whether and how financial constraints of private firms depend on bank lending behavior. Bank lending behavior, especially its scale, scope and timing, is largely driven by bank business models which differ ... -
How do lending relationships affect access to credit and loan conditions in microlending?
2011-08A key problem facing microlenders is the high level of information asymmetry between them and their borrowers. In this paper, we analyze whether the relationship intensity between microlenders and borrowers helps to overcome ... -
Individual versus village lending: evidence from Montenegro
2017-11This paper analyzes differences in loan performance across two Montenegrin microfinance institutions with different lending techniques using a sample of individuals borrowing from both institutions. We make use of ... -
On portfolio optimization: imposing the right constraints
2013-04We reassess the recent finding that no established portfolio strategy outperforms the naively diversified portfolio, 1/N, by developing a constrained minimum-variance portfolio strategy on a shrinkage theory based framework. ... -
Sex and credit: Do gender interactions matter for credit market outcomes?
2018This paper studies the effects of gender interactions on the supply of and demand for credit using data from a large Albanian lender. We document that first-time borrowers assigned to officers of the opposite sex are less ...
