Topic: Banking
Why Do Banks With Little Skin in the Game Still Monitor Borrowers?
Tax policy change triggers an incentive for lenders to be more aggressive
Why Big Banks Can Pay Less on Deposits
Their level of technology and services makes up for it; it’s vice versa with little banks
When the Fed Taps the Brakes, Not All Banks Slow Down
Some lenders’ balance sheets are less affected by a rising federal funds rate
When Lenders Put a Muzzle on Borrowers
Companies hide from shareholders information about loans — more than likely to appease banks
What Makes a True Financial Crisis?
Data back to 1870 show similarities in the worst banking system shocks — focusing on loose lending before a meltdown
To Wall Street, There’s No Crisis Like a Banking Crisis
Tyler Muir finds that neither war nor deep recession darkens investor sentiment like sudden turmoil in the financial system
Sorting Out Conflicts of Interest in Commercial Loan Syndicates
Syndicate voting rules reflect varying levels of trust and familiarity
Looming Risk to Financial System: $1 Trillion in Commercial Loan Pools
Known as collateralized loan obligations, their aim is actually to reduce risk
Local-Level Mortgage Lending: How Competition Pushes Rates Higher, Not Lower
A study finds unexpected impact when a disruptive player enters market
Local Banks Provide an Early Warning System on Recessions
When they’re forced to pay up for deposits, it’s a bad sign for area’s economy
Keynes vs. FDR: Lessons from the Great Recession
Sebastian Edwards finds Keynes’ public take-down of Roosevelt’s gold policies still relevant today
Joint Bank Accounts Make for Happier Couples
Those who keep finances separate are likelier to split up, be less satisfied with their relationship
In a Crisis, Solvent Borrowers are Overcharged, Subsidizing Troubled Bank Clients
An unusual data trove from Greece’s economic collapse reveals the practice
How Commodity Price Swings Destabilize Bank Relationships
Small firms in Peru shop nationwide for cheap credit, but loyalty runs two ways
Good Information Alone Won’t Drive Financial Well-Being
A review of academic research finds the path to saving more and spending less often involves emotional prompts
Did Bank Capital Rules Make Credit Card Borrowing More Expensive?
Though defaults are low, rates on credit card loan-backed notes are high