منابع مشابه
Monitoring and Market Power in Loan Markets
Whether or not banks are engaged in ex ante monitoring of customers may have important consequences for the whole economy. We approach this question via a model in which banks can invest in either information acquisition or market power (product differentiation). The two alternatives generate different predictions, which are tested using panel data on Finnish local banks. We find evidence that ...
متن کاملBank Capital and Monitoring: Evidence from Loan Quality
There are two competing theoretical perspectives on whether bank capital improves or adversely affects banks’ monitoring incentives. We show that bank capital is positively associated with loan quality, an outcome of bank’s monitoring effort, and two salary-based ex-ante measures of monitoring effort that capture quality and quantity of labor input into monitoring. The evidence is robust to a b...
متن کاملResistance and challenge: competing accounts in aftercare monitoring.
This article explores a candidate example of competing accounts of aftercare under supervision of a discharged forensic patient and worker in one part of the UK. It is taken from a study involving 59 in-depth interviews with patients and their workers to investigate community return after detention in forensic psychiatric facilities. Fear of mental illness and associated dangerousness are embod...
متن کاملBest practices in commercial real estate financing multi-state loan transactions
Lenders undertaking multi-state finance transactions need to be aware of the impact of the various states’ laws on documentation, structure, the lender’s rights and its remedies. Thoughtful analysis of these issues can help the lender avoid the legal pitfalls of such transactions.
متن کاملFrom Loan Screening to Loan Prospecting
We study a controlled corporate experiment in which loan officers were compensated to engage in loan prospecting in addition to the traditional loan screening. Loan prospecting led to larger loan sizes (+15%) and higher origination rates (+31%) while keeping the traditional credit quality threshold and interest rate intact. Loan officers attempt to influence the decision making process: loan of...
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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2005
ISSN: 1556-5068
DOI: 10.2139/ssrn.770804