搜索结果: 1-8 共查到“信贷理论 The Evidence”相关记录8条 . 查询时间(0.218 秒)
Learning by Doing with Asymmetric Information: Evidence from Prosper
Prosper；Asymmetric Information
2015/9/21
Using peer-to-peer (P2P) lending as an example, we show that learning by doing plays an
important role in alleviating the information asymmetry between market players. Although
the P2P platform (Pro...
Saving More to Borrow Less:Experimental Evidence from Access to Formal Savings Accounts in Chile
Saving Poverty Borrowing and Debt Chile
2015/4/28
Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participa...
Cyclicality of Credit Supply: Firm Level Evidence
Business Cycles Borrowing and Debt Credit Banks and Banking Bonds Financial Markets Financing and Loans
2015/4/23
Theory predicts that there is a close link between bank credit supply and the evolution of the business cycle. Yet fluctuations in bank-loan supply have been hard to quantify in the time-series. While...
Indirect Evidence on the Efficacy of Selective Credit Controls: The Case of Consumer Credit
an empirical analysis consumer durable expenditures adjustments in consumer credit extensions expenditure distribution
2011/9/2
The article focuses on an empirical analysis on if consumer durable expenditures respond to adjustments in consumer credit extensions, using the Sims test for causality. It states that there is eviden...
Do Firms Incur Costs to Avoid Reducing Pre-Tax Earnings? Evidence from the Accounting for Low-Income Housing Tax Credits
earnings management expense classification pre-tax earnings tax credit
2011/9/2
Examining corporate investment in low-income housing tax credits reveals that firms are willing to incur costs in order to manage the income statement classification of an expense. Accounting rules al...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
adverse selection consumer credit credit cards household finance
2011/8/22
Analyzing unique data from multiple large-scale randomized marketing trials of preapproved credit card solicitations by a large financial institution, we find that consumers responding to the lender's...