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The use of loan sales and standby letters of credit by commercial banks

Citations

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Cited by:

  1. Sandeep Dahiya & Manju Puri & Anthony Saunders, 2003. "Bank Borrowers and Loan Sales: New Evidence on the Uniqueness of Bank Loans," The Journal of Business, University of Chicago Press, vol. 76(4), pages 563-582, October.
  2. Seog, S. Hun & Hong, Jimin, 2019. "The efficiency effects of life settlement on the life insurance market," Pacific-Basin Finance Journal, Elsevier, vol. 56(C), pages 395-412.
  3. Moshe Buchinsky & Oved Yosha, 1995. "Evaluating the Probability of Failure of a Banking Firm," Cowles Foundation Discussion Papers 1108, Cowles Foundation for Research in Economics, Yale University.
  4. Arturo Estrella, 2002. "Securitization and the efficacy of monetary policy," Economic Policy Review, Federal Reserve Bank of New York, vol. 8(May), pages 243-255.
  5. R. Alton Gilbert & Andrew P. Meyer & Mark D. Vaughan, 2006. "Can feedback from the jumbo CD market improve bank surveillance?," Economic Quarterly, Federal Reserve Bank of Richmond, vol. 92(Spr), pages 135-175.
  6. Chen, Ting-Hsuan & Lu, Chia-Wu & Hsieh, Meng-Fen, 2022. "Onshore guarantees for offshore loans and bank risk-taking: Evidences from Taiwanese banks," Research in International Business and Finance, Elsevier, vol. 60(C).
  7. Liu, Benjamin & Skully, Michael, 2005. "The determinants of mortgage yield spread differentials: Securitization," Journal of Multinational Financial Management, Elsevier, vol. 15(4-5), pages 314-333, October.
  8. John R. Hall & Thomas B. King & Andrew P. Meyer & Mark D. Vaughan, 2002. "Do jumbo-CD holders care about anything?," Supervisory Policy Analysis Working Papers 2002-05, Federal Reserve Bank of St. Louis.
  9. Prasad Krishnamurthy, 2014. "Rules, Standards, and Complexity in Capital Regulation," The Journal of Legal Studies, University of Chicago Press, vol. 43(S2), pages 273-296.
  10. Longhofer, Stanley D. & Santos, Joao A. C., 2000. "The Importance of Bank Seniority for Relationship Lending," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 57-89, January.
  11. anonymous, 1999. "Using subordinated debt as an instrument of market discipline," Staff Studies 172, Board of Governors of the Federal Reserve System (U.S.).
  12. Gorton, Gary B. & Pennacchi, George G., 1995. "Banks and loan sales Marketing nonmarketable assets," Journal of Monetary Economics, Elsevier, vol. 35(3), pages 389-411, June.
  13. Santiago Carbó Valverde & Francisco Rodríguez Fernández, 2005. "Operaciones fuera de balance y economías de escala en el sector bancario español," Investigaciones Economicas, Fundación SEPI, vol. 29(2), pages 389-430, May.
  14. Carlstrom, Charles T. & Samolyk, Katherine A., 1995. "Loan sales as a response to market-based capital constraints," Journal of Banking & Finance, Elsevier, vol. 19(3-4), pages 627-646, June.
  15. Robert Inklaar & J. Christina Wang, 2013. "Real Output of Bank Services: What Counts is What Banks Do, Not What They Own," Economica, London School of Economics and Political Science, vol. 80(317), pages 96-117, January.
  16. Ioannidou, V. & Pierides, Y., 2003. "The Bank's Choice of Financing and the Correlation Structure of Loan Returns," Other publications TiSEM 17d1b986-d9fc-4406-96ef-7, Tilburg University, School of Economics and Management.
  17. Stanton, Sonya Williams, 1998. "The Underinvestment Problem and Patterns in Bank Lending," Journal of Financial Intermediation, Elsevier, vol. 7(3), pages 293-326, July.
  18. Vink, Dennis, 2007. "An Empirical Analysis of Asset-Backed Securitization," MPRA Paper 10382, University Library of Munich, Germany, revised 25 Aug 2008.
  19. Fabio Panetta & Alberto Franco Pozzolo, 2018. "Why do banks securitise their assets? Bank-level evidence from over one hundred countries in the pre-crisis period," Temi di discussione (Economic working papers) 1183, Bank of Italy, Economic Research and International Relations Area.
  20. Maechler, Andrea M. & McDill, Kathleen M., 2006. "Dynamic depositor discipline in US banks," Journal of Banking & Finance, Elsevier, vol. 30(7), pages 1871-1898, July.
  21. Affinito, Massimiliano & Tagliaferri, Edoardo, 2010. "Why do (or did?) banks securitize their loans? Evidence from Italy," Journal of Financial Stability, Elsevier, vol. 6(4), pages 189-202, December.
  22. Ruby P. Kishan & Timothy P. Opiela, 2012. "Monetary Policy, Bank Lending, and the Risk‐Pricing Channel," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 44(4), pages 573-602, June.
  23. João Pinto & Mário Coutinho dos Santos, 2014. "Corporate Financing Choices after the 2007-2008 Financial Crisis," Working Papers de Economia (Economics Working Papers) 03, Católica Porto Business School, Universidade Católica Portuguesa.
  24. Strahan, Philip E., 1995. "Asset returns and economic disasters evidence from the S&L crisis," Journal of Monetary Economics, Elsevier, vol. 36(1), pages 189-217, August.
  25. Altunbas, Yener & Gambacorta, Leonardo & Marques-Ibanez, David, 2009. "Securitisation and the bank lending channel," European Economic Review, Elsevier, vol. 53(8), pages 996-1009, November.
  26. Greg Caldwell, 2007. "Best Instruments for Market Discipline in Banking," Staff Working Papers 07-9, Bank of Canada.
  27. Andrew H Chen & Kenneth J Robinson & Thomas F Siems, 2004. "The wealth effects from a subordinated debt policy: evidence from passage of the Gramm–Leach–Bliley Act," Review of Financial Economics, John Wiley & Sons, vol. 13(1-2), pages 103-119.
  28. Guo, Lin, 2003. "Inferring market information from the price and quantity of S&L deposits," Journal of Banking & Finance, Elsevier, vol. 27(11), pages 2177-2202, November.
  29. Uchida, Hirofumi & Satake, Mitsuhiko, 2009. "Market discipline and bank efficiency," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 19(5), pages 792-802, December.
  30. Ioannidou, V. & Pierides, Y., 2003. "The Bank's Choice of Financing and the Correlation Structure of Loan Returns," Discussion Paper 2003-51, Tilburg University, Center for Economic Research.
  31. Masahiko Egami & Kaoru Hosono, 2010. "A Model for Bank’s Optimal Asset Securitization Program," Discussion papers e-10-003, Graduate School of Economics Project Center, Kyoto University.
  32. Kose John & Anthony W. Lynch & Manju Puri, 2003. "Credit Ratings, Collateral, and Loan Characteristics: Implications for Yield," The Journal of Business, University of Chicago Press, vol. 76(3), pages 371-410, July.
  33. Jones, David, 2000. "Emerging problems with the Basel Capital Accord: Regulatory capital arbitrage and related issues," Journal of Banking & Finance, Elsevier, vol. 24(1-2), pages 35-58, January.
  34. Roger D. Stover & Mark F. Schmitz, 1997. "Private Information in Bank Certification:Evidence from U.S. and Non-U.S. Bank Standby Letters of Credit," Multinational Finance Journal, Multinational Finance Journal, vol. 1(4), pages 309-324, December.
  35. Daniel M. Covitz & Diana Hancock & Myron L. Kwast, 2004. "Market discipline in banking reconsidered: the roles of funding manager decisions and deposit insurance reform," Finance and Economics Discussion Series 2004-53, Board of Governors of the Federal Reserve System (U.S.).
  36. Houston, Joel F. & James, Christopher, 1995. "CEO compensation and bank risk Is compensation in banking structured to promote risk taking?," Journal of Monetary Economics, Elsevier, vol. 36(2), pages 405-431, November.
  37. Stefan ARPING,, 2002. "Playing Hardball: Relationship Banking in the Age of Credit Derivatives," FAME Research Paper Series rp49, International Center for Financial Asset Management and Engineering.
  38. Sonya W. Stanton, 2002. "Securitization and the efficacy of monetary policy : commentary," Economic Policy Review, Federal Reserve Bank of New York, vol. 8(May), pages 257-258.
  39. Charles T. Carlstrom & Katherine A. Samolyk, 1993. "Examining the microfoundations of market incentives for asset-backed lending," Economic Review, Federal Reserve Bank of Cleveland, vol. 29(Q I), pages 27-38.
  40. Jeremy C. Stein, 2002. "Does bank capital matter for monetary transmission? commentary," Economic Policy Review, Federal Reserve Bank of New York, vol. 8(May), pages 267-270.
  41. Dilip Madan & Haluk Unal, 1996. "Pricing the Risks of Default," Center for Financial Institutions Working Papers 94-16, Wharton School Center for Financial Institutions, University of Pennsylvania.
  42. Gilbert, R. Alton & Vaughan, Mark D., 2001. "Do depositors care about enforcement actions?," Journal of Economics and Business, Elsevier, vol. 53(2-3), pages 283-311.
  43. Patir, Assaf, 2017. "Securitization, bank vigilance, leverage and sudden stops," MPRA Paper 81463, University Library of Munich, Germany.
  44. Fernando Alvarez, 1993. "Reserve Requirements: Not a Solution to the Potential Capital Inflow Problem in Cuba," Annual Proceedings, The Association for the Study of the Cuban Economy, vol. 3.
  45. Minton, Bernadette A. & Stulz, Rene M. & Williamson, Rohan, 2005. "How Much Do Banks Use Credit Derivatives to Reduce Risk?," Working Paper Series 2005-17, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
  46. Francis, Bill & Hasan, Iftekhar & Wang, Haizhi, 2009. "Do Investors Value Securitization Activities: An Empirical Analysis," The Journal of Economic Asymmetries, Elsevier, vol. 6(3), pages 93-117.
  47. Douglas D. Evanoff & Larry D. Wall, 2000. "Subordinated debt and bank capital reform," FRB Atlanta Working Paper 2000-24, Federal Reserve Bank of Atlanta.
  48. Santos, João A.C. & Nigro, Peter, 2009. "Is the secondary loan market valuable to borrowers?," The Quarterly Review of Economics and Finance, Elsevier, vol. 49(4), pages 1410-1428, November.
  49. Güner, A. Burak, 2008. "Bank lending opportunities and credit standards," Journal of Financial Stability, Elsevier, vol. 4(1), pages 62-87, April.
  50. John R. Hall & Thomas B. King & Andrew P. Meyer & Mark D. Vaughan, 2002. "Did FDICIA enhance market discipline on community banks? a look at evidence from the jumbo-CD market," Supervisory Policy Analysis Working Papers 2002-04, Federal Reserve Bank of St. Louis.
  51. Parnes, Dror, 2022. "Banks' off-balance sheet manipulations," The Quarterly Review of Economics and Finance, Elsevier, vol. 86(C), pages 314-331.
  52. Guo, Lin & Prezas, Alexandros P., 2019. "Market monitoring and influence: evidence from deposit pricing and liability composition from 1986 to 2013," Journal of Financial Stability, Elsevier, vol. 43(C), pages 146-166.
  53. Bouwman, Christa H. S., 2013. "Liquidity: How Banks Create It and How It Should Be Regulated," Working Papers 13-32, University of Pennsylvania, Wharton School, Weiss Center.
  54. Barbara Casu & Andrew Clare & Anna Sarkisyan & Stephen Thomas, 2013. "Securitization and Bank Performance," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 45(8), pages 1617-1658, December.
  55. Bernadette Minton & René Stulz & Rohan Williamson, 2009. "How Much Do Banks Use Credit Derivatives to Hedge Loans?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 35(1), pages 1-31, February.
  56. vithyea, You, 2014. "The linkage between bank net interest margins and non-interest income : The case of the Cambodian Banking industry," MPRA Paper 58230, University Library of Munich, Germany.
  57. Angbazo, Lazarus, 1997. "Commercial bank net interest margins, default risk, interest-rate risk, and off-balance sheet banking," Journal of Banking & Finance, Elsevier, vol. 21(1), pages 55-87, January.
  58. Krzysztof Jackowicz, 2010. "About motives behind Securitization and its Implications: An Overview of Empirical Findings," Contemporary Economics, University of Economics and Human Sciences in Warsaw., vol. 4(1), March.
  59. Thomas, Hugh, 2001. "Effects of Asset Securitization on Seller Claimants," Journal of Financial Intermediation, Elsevier, vol. 10(3-4), pages 306-330, July.
  60. M. Kabir Hassan, 1992. "An Empirical Analysis Of Bank Standby Letters Of Credit Risk," Review of Financial Economics, John Wiley & Sons, vol. 2(1), pages 31-44, September.
  61. Nguyen, James, 2012. "The relationship between net interest margin and noninterest income using a system estimation approach," Journal of Banking & Finance, Elsevier, vol. 36(9), pages 2429-2437.
  62. Marc J. K. De Ceuster & Nancy Masschelein, 2003. "Regulating Banks through Market Discipline: A Survey of the Issues," Journal of Economic Surveys, Wiley Blackwell, vol. 17(5), pages 749-766, December.
  63. Daniel M. Covitz & Diana Hancock & Myron L. Kwast, 2002. "Market discipline in banking reconsidered: the roles of deposit insurance reform, funding manager decisions and bond market liquidity," Finance and Economics Discussion Series 2002-46, Board of Governors of the Federal Reserve System (U.S.).
  64. Jens Forssbæck, 2011. "Divergence of risk indicators and the conditions for market discipline in banking," SUERF Studies, SUERF - The European Money and Finance Forum, number 2011/4, May.
  65. Sharpe, Ian G. & Tuzun, Tayfun, 1997. "The underinvestment hypothesis and off-balance sheet direct credit substitutes," Pacific-Basin Finance Journal, Elsevier, vol. 5(3), pages 325-344, July.
  66. R. Alton Gilbert & Andrew P. Meyer & Mark D. Vaughan, 2002. "Can feedback from the jumbo-CD market improve off-site surveillance of community banks?," Supervisory Policy Analysis Working Papers 2002-08, Federal Reserve Bank of St. Louis.
  67. Daniel M. Covitz & Diana Hancock & Myron L. Kwast, 2004. "A reconsideration of the risk sensitivity of U.S. banking organization subordinated debt spreads: a sample selection approach," Economic Policy Review, Federal Reserve Bank of New York, issue Sep, pages 73-92.
  68. Duran, Miguel A. & Lozano-Vivas, Ana, 2013. "Off-balance-sheet activity under adverse selection: The European experience," Journal of Economic Behavior & Organization, Elsevier, vol. 85(C), pages 176-190.
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