Area: Finance
Consumer Spending and Jobless Data: a Peculiar Threshold
A 12-month high in local unemployment triggers savings behavior
Clues to the Market When Mortgage Originators Delay Securitization
With high-quality borrowers hard to judge from afar, Alt-A market offers quiet signal on creditworthiness
Chinese Investors Learn about Derivatives the Hard Way
An analysis of warrant trading reveals individuals’ poor grasp of complex securities
CD Withdrawal Penalties: Often More Than Worth the Risk
Banks know you won’t do the math: Even after a penalty for early withdrawal, the longer-term CD often nets out to a better deal
Cashless Payments: Faster Transactions, Easier Borrowing and Increased Household Income
System provides digital record of payments for India’s vast self-employed ranks, satisfying lenders, and raising the likelihood of starting a business
Can Banks, Disrupted by Fintech, Adopt New Habits, Too?
In China, patent data shows commercial banks’ use of new technologies helps improve efficiency and reduce risk
Calculating a Value for the Government Support Banks Enjoy
Researchers’ model could quantify the risks in the growing movement to ease up on Dodd-Frank regulations
Bringing a Sharper Focus to the Study of the Decline of Investment Diversification
Research measures the impact of global economic factors on returns
Borrowings Suggest Small Company Owners Face Higher Risk
Analysis uses business credit card loans to gauge market perception
Boom of Intangible Assets Felt Across Industries and Economy
Rethinking issues around productivity, income inequality and industry concentration
Behind the Annuity Conundrum: The Belief They’re Unfair
Researchers find little commonality among haters of the difficult-to-sell retirement products, except when discussing fairness
Banks, Freed to Operate Across State Lines, Helped Stabilize the Economy
Lenders financed expansion in some markets, offsetting problems in others
Banks Transmit Financial Shocks, Including from Natural Disasters
How a localized flood may result in fewer loans to a far-off community
Banks Rent Out Their Balance Sheets — So Derivatives Cost More
Even before Dodd-Frank rules, the costs were significant
As Passive Investing Spreads, Overall Market Becomes Less Competitive
Active investors take up some — but not all — of the slack created by index funds
As AI Supercharges Finance Research, Will We Believe the Results?
Building benchmarks to guide researchers and validate AI-enabled findings