The DOI matches its Crossref record; 3 of the 3 references it cites were found in a registry or an index.
Lending Booms and Lending Standards
Open accessAbstract
We examine how the informational structure of loan markets interacts with banks' strategic behavior in determining lending standards, lending volume, and the aggregate allocation of credit. We show that, as banks obtain private information about borrowers and information asymmetries across banks decrease, banks may loosen their lending standards, leading to an equilibrium with deteriorated bank portfolios, lower profits, and expanded aggregate credit. These lower standards are associated with greater aggregate surplus and greater risk of financial instability. We therefore provide an explanation for the sequence of financial liberalization, lending booms, and banking crises observed in many emerging markets.
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Citations
Cites
Can Relationship Banking Survive Competition?
Boot, A. W. A., & Thakor, A. V. (2000) · The Journal of Finance · doi:10.1111/0022-1082.00223 · Cited by 1,590
Competition and Financial Stability
Allen, F., & Gale, D. (2004) · Journal of Money, Credit, and Banking · doi:10.1353/mcb.2004.0038 · Cited by 1,137
Competition, Adverse Selection, and Information Dispersion in the Banking Industry: Table 1
Marquez, R. (2002) · Review of Financial Studies · doi:10.1093/rfs/15.3.901 · Cited by 417
Self-citation
Cited by
Bank competition and stability: Cross-country heterogeneity
Beck, T., De Jonghe, O., & Schepens, G. (2013) · Journal of Financial Intermediation · doi:10.1016/j.jfi.2012.07.001 · Cited by 1,021
Understanding the Subprime Mortgage Crisis
Demyanyk, Y., & Van Hemert, O. (2011) · Review of Financial Studies · doi:10.1093/rfs/hhp033 · Cited by 989
Maddaloni, A., & Peydró, J.-L. (2011) · Review of Financial Studies · doi:10.1093/rfs/hhr015 · Cited by 678
The seeds of a crisis: A theory of bank liquidity and risk taking over the business cycle
Acharya, V., & Naqvi, H. (2012) · Journal of Financial Economics · doi:10.1016/j.jfineco.2012.05.014 · Cited by 650
The institutional memory hypothesis and the procyclicality of bank lending behavior
Berger, A. N., & Udell, G. F. (2004) · Journal of Financial Intermediation · doi:10.1016/j.jfi.2004.06.006 · Cited by 580
Metadata
- Authors
- DELL'ARICCIA, G., & MARQUEZ, R.
- Venue
- The Journal of Finance
- Publisher
- Wiley
- Published
- 2006-09-19
- Volume
- 61
- Issue
- 5
- Pages
- 2511-2546
- ISSN
- 0022-1082 (ISSN-L)
- 1540-6261
- OpenAlex
- W3121330589
- Cited by
- 877
- References
- 3
- FWCI
- 49.95
- Type
- journal article
- Language
- en
- Open access
- green
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Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
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