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A Darker Side to Decentralized Banks:Market Power and Credit Rationing in SME Lending
Organizational Structure Financing and Loans Industry Structures Banks and Banking Banking Industry Mexico
2015/4/22
We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks—where branch managers have greater autonomy over lending deci...
The Communist Party and Financial Institutions: Institutional Design of China's Post-Reform Rural Credit Cooperatives
the rural credit cooperatives formal credit providers rural China empirical evidence persistence
2011/9/28
Although the rural credit cooperatives are the only formal credit providers to millions of households in rural China, empirical evidence suggests that they do not serve the interests of member househo...
Validation of credit default probabilities via multiple testing procedures
credit default probabilities testing procedures
2010/10/21
We apply multiple testing procedures to the validation of estimated default probabilities in credit rating systems. The goal is to identify rating classes for which the probability of default is estim...
Climbing Down from the Top: Single Name Dynamics in Credit Top Down Models
Single Name Dynamics Credit Top Down Models
2010/10/29
In the top-down approach to multi-name credit modeling, calculation of singe name sensitivities
appears possible, at least in principle, within the so-called random thinning (RT)
procedure which dis...