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Further Evidence On The Credit View
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Book Synopsis Evidence and Innovation in Housing Law and Policy by : Lee Anne Fennell
Download or read book Evidence and Innovation in Housing Law and Policy written by Lee Anne Fennell and published by Cambridge University Press. This book was released on 2017-08-29 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: This interdisciplinary volume illuminates housing's impact on both wealth and community, and examines legal and policy responses to current challenges. Also available as Open Access.
Book Synopsis Trade Credit and the Effect of Macro-Financial Shocks by : Mr.Yungsan Kim
Download or read book Trade Credit and the Effect of Macro-Financial Shocks written by Mr.Yungsan Kim and published by International Monetary Fund. This book was released on 2003-06-01 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many studies examine why firms are financed by their suppliers, but few empirical studies look at the macroeconomic implications of such financial arrangements. Using disaggregated panel data, we examine how firms extend and use trade credit. We find that, controlling for the transactions or asset management motive, both accounts payable and receivable increase with tighter policy, implying that trade credit helps firms absorb the effect of a credit contraction. A comparison of S&P 500 firms with smaller firms, however, provides no evidence that when policy is tightened, large firms play the role of credit suppliers more actively than small firms.
Book Synopsis The American Business Cycle by : Robert J. Gordon
Download or read book The American Business Cycle written by Robert J. Gordon and published by University of Chicago Press. This book was released on 2007-11-01 with total page 882 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent decades the American economy has experienced the worst peace-time inflation in its history and the highest unemployment rate since the Great Depression. These circumstances have prompted renewed interest in the concept of business cycles, which Joseph Schumpeter suggested are "like the beat of the heart, of the essence of the organism that displays them." In The American Business Cycle, some of the most prominent macroeconomics in the United States focuses on the questions, To what extent are business cycles propelled by external shocks? How have post-1946 cycles differed from earlier cycles? And, what are the major factors that contribute to business cycles? They extend their investigation in some areas as far back as 1875 to afford a deeper understanding of both economic history and the most recent economic fluctuations. Seven papers address specific aspects of economic activity: consumption, investment, inventory change, fiscal policy, monetary behavior, open economy, and the labor market. Five papers focus on aggregate economic activity. In a number of cases, the papers present findings that challenge widely accepted models and assumptions. In addition to its substantive findings, The American Business Cycle includes an appendix containing both the first published history of the NBER business-cycle dating chronology and many previously unpublished historical data series.
Book Synopsis Negative Monetary Policy Rates and Portfolio Rebalancing: Evidence from Credit Register Data by : Margherita Bottero
Download or read book Negative Monetary Policy Rates and Portfolio Rebalancing: Evidence from Credit Register Data written by Margherita Bottero and published by International Monetary Fund. This book was released on 2019-02-28 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study negative interest rate policy (NIRP) exploiting ECB's NIRP introduction and administrative data from Italy, severely hit by the Eurozone crisis. NIRP has expansionary effects on credit supply-- -and hence the real economy---through a portfolio rebalancing channel. NIRP affects banks with higher ex-ante net short-term interbank positions or, more broadly, more liquid balance-sheets, not with higher retail deposits. NIRP-affected banks rebalance their portfolios from liquid assets to credit—especially to riskier and smaller firms—and cut loan rates, inducing sizable real effects. By shifting the entire yield curve downwards, NIRP differs from rate cuts just above the ZLB.
Book Synopsis State and Financial Systems in Europe and the USA by : Dr Jaime Reis
Download or read book State and Financial Systems in Europe and the USA written by Dr Jaime Reis and published by Ashgate Publishing, Ltd.. This book was released on 2013-06-28 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the twentieth century the financial sector became possibly the most regulated area of the economy in many advanced and developing countries. The interwar years represented the defining moment for the escalation of governments' intervention, turning the State into the core of financial systems in its capacity of regulator, supervisor or owner. The essays in this collection shed light on different aspects of the experience of financial regulation, ownership and deregulation in Europe and the USA from a secular historical perspective. The volume's chapters explore how the political economy of finance changed in the nineteenth and twentieth centuries and how such changes were related to shifting attitudes towards globalization. They also investigate how regulation responded to governance problems of financial intermediaries and markets, and how different legal frameworks and institutional architectures influenced such response. The collection engages with a set of issues as diverse as they are interrelated across countries and over time: the regulatory attitude of British authorities toward the banking system and the stock exchange market in the nineteenth and twentieth centuries; the comparative evolution of bankruptcy laws and procedures; the link between state, regulation and governance in the evolution of the US and French financial systems; the emergence of banking regulation and supervision by central banks; the regulation and supervision of international financial markets since the 1950s; and the connection between deregulation and banking crises at the end of the past century. Taken as a whole, the chapters offer an intriguing insight into the differing ways western countries approached and responded to the challenges of the international financial system, and the legacy of this on the modern world. In so doing the volume holds up to historical scrutiny the debate as to whether overt state regulation of financial markets always has a negative affect on economic growth, or whether it can be an essential tool for developing nations in their efforts to expand their economies.
Book Synopsis One Ring to Rule Them All? New Evidence on World Cycles by : Eric Monnet
Download or read book One Ring to Rule Them All? New Evidence on World Cycles written by Eric Monnet and published by International Monetary Fund. This book was released on 2019-09-20 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: We estimate world cycles using a new quarterly dataset of output, credit and asset prices assembled using IMF archives and covering a large set of advanced and emerging economies since 1950. World cycles, both real and financial, exist and are generally driven by US shocks. But their impact is modest for most countries. The global financial cycle is also much weaker when looking at credit rather than asset prices. We also challenge the view that syncronization has increased over time. Although this is true for prices (goods and assets), this not true for quantities (output and credit). The world business and credit cycles were as strong during Bretton Woods (1950–1972) as during the Globalization period (1984-2006). For most countries, the way their output co-moves with the rest of the world has changed little over the last 70 years. We discuss the reasons behind these new findings and their policy implications for small open economies.
Book Synopsis Fair Credit Reporting, Hearings Before the Subcommittee on Financial Institutions of ..., 91-1 on S. 823 ..., May 19, 23, 1969 by : United States. Congress. Senate. Committee on Banking and Currency
Download or read book Fair Credit Reporting, Hearings Before the Subcommittee on Financial Institutions of ..., 91-1 on S. 823 ..., May 19, 23, 1969 written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1969 with total page 640 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit, Investments and the Macroeconomy by : Marco Mazzoli
Download or read book Credit, Investments and the Macroeconomy written by Marco Mazzoli and published by Cambridge University Press. This book was released on 1998-01-22 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book relates the literatures of finance, industrial economics and investment to the theoretical framework of the 'credit view'. Firstly it is assumed that banks' decisions concerning their assets are seen as at least as relevant as their decisions concerning their liabilities. Secondly, securities and bank credit are considered to be highly imperfect substitutes. In this regard it is important to investigate the way industrial and financial sectors interact. In particular, how is the macroeconomy affected by the phenomenon of 'securitization' and by exogenous changes in the industrial structure of the credit market. The interactions between real and financial sectors are also analysed from the point of view of the industrial firm, in a model where the investment and financial decisions of the firm are taken simultaneously.
Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions Publisher : ISBN 13 : Total Pages :574 pages Book Rating :4.:/5 ( download)
Book Synopsis Fair Credit Reporting by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions
Download or read book Fair Credit Reporting written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions and published by . This book was released on 1969 with total page 574 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Further Evidence on the Link Between Finance and Growth by : Allen N. Berger
Download or read book Further Evidence on the Link Between Finance and Growth written by Allen N. Berger and published by World Bank Publications. This book was released on 2003 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Parliamentary Papers by : Great Britain. Parliament. House of Commons
Download or read book Parliamentary Papers written by Great Britain. Parliament. House of Commons and published by . This book was released on 1887 with total page 526 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Color of Credit by : Stephen L. Ross
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Book Synopsis Lending Standards and Output Growth by : Divya Kirti
Download or read book Lending Standards and Output Growth written by Divya Kirti and published by International Monetary Fund. This book was released on 2018-01-26 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: While some credit booms are followed by economic underperformance, many are not. Can lending standards help separate good credit booms from bad credit booms contemporaneously? To observe lending standards internationally, I use information from primary debt capital markets. I construct the high-yield (HY) share of bond issuance for a panel of 38 countries. The HY share is procyclical, suggesting that lending standards in bond markets are extrapolative. Credit booms with deteriorating lending standards (rising HY share) are followed by lower GDP growth in the subsequent three to four years. Such booms deserve attention from policy makers.
Book Synopsis New Evidence on Earnings and Benefit Claims Following Changes in the Retirement Earnings Test in 2000 by : Jae Song
Download or read book New Evidence on Earnings and Benefit Claims Following Changes in the Retirement Earnings Test in 2000 written by Jae Song and published by . This book was released on 2006 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides estimates of the effects of removing the earnings test, for persons aged 65-69. Uses a Social Security Administration (SSA) data set that covers the period from four years before and after its introduction in 2000. Examines implications for the labour force participation rate near 65 and beyond.
Book Synopsis The Chicago Plan Revisited by : Mr.Jaromir Benes
Download or read book The Chicago Plan Revisited written by Mr.Jaromir Benes and published by International Monetary Fund. This book was released on 2012-08-01 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: At the height of the Great Depression a number of leading U.S. economists advanced a proposal for monetary reform that became known as the Chicago Plan. It envisaged the separation of the monetary and credit functions of the banking system, by requiring 100% reserve backing for deposits. Irving Fisher (1936) claimed the following advantages for this plan: (1) Much better control of a major source of business cycle fluctuations, sudden increases and contractions of bank credit and of the supply of bank-created money. (2) Complete elimination of bank runs. (3) Dramatic reduction of the (net) public debt. (4) Dramatic reduction of private debt, as money creation no longer requires simultaneous debt creation. We study these claims by embedding a comprehensive and carefully calibrated model of the banking system in a DSGE model of the U.S. economy. We find support for all four of Fisher's claims. Furthermore, output gains approach 10 percent, and steady state inflation can drop to zero without posing problems for the conduct of monetary policy.
Download or read book The Pacific Reporter written by and published by . This book was released on 1911 with total page 1168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A New Practical Digest of the Law of Evidence; Containing the Substance of All the Statutes and Adjudged Cases Respecting the Credibility and Competency of Witnesses in the Courts of Law and Equity, Down to Trinity Term, 1796 ... Including a New Circuit Companion. To which is Added, the Juryman's Complete Guide: Together with the Particulars of the Sheriff's Duty in Making Lists and Summoning Jurors. By Joseph Bingham .. by : Joseph Bingham (Barrister at Law)
Download or read book A New Practical Digest of the Law of Evidence; Containing the Substance of All the Statutes and Adjudged Cases Respecting the Credibility and Competency of Witnesses in the Courts of Law and Equity, Down to Trinity Term, 1796 ... Including a New Circuit Companion. To which is Added, the Juryman's Complete Guide: Together with the Particulars of the Sheriff's Duty in Making Lists and Summoning Jurors. By Joseph Bingham .. written by Joseph Bingham (Barrister at Law) and published by . This book was released on 1797 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
