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Credit Traps and Credit Cycles
a simple macroeconomic model credit market investment projects net worth
2011/9/2
We develop a simple macroeconomic model of credit market imperfections with heterogeneous investment projects. The projects differ in productivity, the investment requirement, and the severity of agen...
Do REITs Have an Advantage When Credit is Tight?
Real estate capital sources public markets commercial real estate investors
2011/9/2
Executive Summary. Real estate investment trusts (REITs) have access to capital sources that other real estate investors do not: public markets for equity and debt. Access to capital may give REITs an...
Increasing the number of inner replications of multifactor portfolio credit risk simulation in the t-copula model
credit risk expected shortfall extremal dependence geometric shortcut
2011/8/30
We consider the problem of simulating tail loss probabilities and expected losses conditioned on exceeding a large threshold (expected shortfall) for credit portfolios. Instead of the commonly used no...
Concern with Immediate Consequences Magnifies the Impact of Compulsive Buying Tendencies on College Students' Credit Card Debt
temporal orientation compulsive buying tendencies compulsive buying scale immediate consequences
2011/8/30
This research examines whether temporal orientation moderates the impact of compulsive buying tendencies (CBT) on credit card debt. Participants completed the consideration of future consequences scal...
THE INTERACTION OF METROPOLITAN COST-OF-LIVING AND THE FEDERAL EARNED INCOME TAX CREDIT: ONE SIZE FITS ALL?
cost-of-living differentials EITC housing costs labor supply
2011/8/30
This paper explores the interaction between the federal Earned Income Tax Credit (EITC) and the cost-of-living faced by single mothers. After the 1993 EITC expansion, we identify up to an 8 percentage...
Regulating credit rating agencies: The issue of conflicts of interest in the rating of structured finance products
civil liability credit rating agencies rating-based regulation regulation credit rating agencies
2011/8/30
As a result of the financial crisis, the work of the credit rating agencies (CRAs) has been questioned. It is said that they underestimated the risk in structured finance products and allowed conflict...
Predicting New Customers' Risk Type in the Credit Card Market
Bayesian estimation customer relationship management market segmentation risk prediction
2011/8/30
Recent studies in marketing have consistently shown that all customers are not equally profitable. In the credit card business, all customers are not equally risky. When a customer misses one payment ...
COUNTERPARTY RISK FOR CREDIT DEFAULT SWAPS:: IMPACT OF SPREAD VOLATILITY AND DEFAULT CORRELATION
contingent credit default swaps copula functions Counterparty risk Credit Default Swaps
2011/8/30
We consider counterparty risk for Credit Default Swaps (CDS) in presence of correlation between default of the counterparty and default of the CDS reference credit. Our approach is innovative in that,...
Have Differences in Credit Access Diminished in an Era of Financial Market Deregulation?
cost of credit financial constraints financial market deregulation household credit
2011/8/30
Over the past few decades, financial markets became increasingly deregulated and household debt expanded, sometimes rapidly. It is thus possible that greater deregulation led to improved credit access...
Lending by numbers’: credit scoring and the constitution of risk within American consumer
consumer credit consumption credit scoring risk
2011/8/28
his paper examines how statistical credit-scoring technologies, sanctioned by the state in the interests of promoting equality, became applied by lenders to the problem of controlling levels of defaul...
The Role and Level of Involvement of Credit Union Directors in Strategic Management: A Research
2011/8/28
Credit unions are a growing and important part of the global financial system. The history of the credit union movement is summarized and the characteristics making credit unions different from banks ...
Is that a business credit card in your wallet?
business credit cards Exploitative practices legal protections
2011/8/28
The article examines use of business credit cards by small business. Research is cited indicating that credit cards are the leading source of capital for small business and of small business lending. ...
This article presents a technique for managing consumer credit. The article discusses a computerized procedure for weighing the merits of credit applications, the use of a credit score for optimal scr...
On Credit-Spread Slopes and Predicting Bank Risk
constructing credit-spread curves credit-spread slopes bank risk
2011/8/28
We examine whether bank credit-spread curves, engendered by subordinated debt, would help predict bank risk. We extract credit-spread curves for each bank each quarter and analyze the predictive prope...
A Model of Money and Credit, with Application to the Credit Card Debt Puzzle
credit card debt high interest rates low rates dominance puzzle
2011/8/26
Many individuals simultaneously have significant credit card debt and money in the bank. The credit card debt puzzle is as follows: given high interest rates on credit cards and low rates on bank acco...