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Show Results For
- All HBS Web
(436)
- News (59)
- Research (311)
- Multimedia (1)
- Faculty Publications (160)
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- 2010
- Working Paper
Regulating for Legitimacy: Consumer Credit Access in France and America
Theories of legitimate regulation have emphasized the role of governments either in fixing market failures to promote greater efficiency or in restricting the efficient functioning of markets in order to pursue public welfare goals. In either case, features of markets... View Details
Keywords: Borrowing and Debt; Credit; Financial Markets; Personal Finance; Governing Rules, Regulations, and Reforms; Business History; Business and Government Relations; Welfare; France; United States
Trumbull, J. Gunnar. "Regulating for Legitimacy: Consumer Credit Access in France and America." Harvard Business School Working Paper, No. 11-047, November 2010.
- 08 Jun 2010
- First Look
First Look: June 8
but real differences in corporate finance and investment through two different channels: a "more money" effect arising from the debt coinsurance feature of conglomerates and a "smarter money" effect arising from more... View Details
Keywords: Martha Lagace
- 30 Aug 2004
- Research & Ideas
Real Estate: The Most Imperfect Asset
the building gets built and (hopefully) leased. I have another case I am working on with HBS professor Dan Bergstresser on a real estate mortgage bank in Argentina that restructured itself during the country's recent collapse—the greatest... View Details
- 26 Feb 2013
- First Look
First Look: Feb. 26
multivariate time series model to investigate the interaction between paid search and display ads and calibrated the model using data from a large commercial bank that uses online ads to acquire new checking account customers. We find... View Details
Keywords: Sean Silverthorne
- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
leveraging of assets, on irresponsible banks and mortgage brokers who fabricated applications for no downpayment home loans knowing that the risks could be readily laid off on unsuspecting third parties. But underpinning the collapse of... View Details
Keywords: by John Quelch
- 20 Jul 2021
- Research & Ideas
Bankruptcy Spells Death for Too Many Businesses
information from Bankruptcydata.com, Bloomberg Law, Moody’s Investors Service, and the Federal Reserve Bank of St. Louis, Antill studied 503 nonfinancial companies, each carrying more than $50 million in View Details
Keywords: by Rachel Layne
- 02 Oct 2017
- What Do You Think?
Do Bitcoin and Digital Currency Have a Future?
the confines of the original question, involving us in a debate about central banking systems. Supporters of the notion of digital currencies included Hamad Sheikh, who pointed out that “Digital currency is here to stay, simply because it... View Details
- 16 Apr 2020
- Research & Ideas
Has COVID-19 Broken the Global Value Chain?
dollars (or perceived that payments would be interrupted). Firms operating in the commodity markets also saw their revenues shrinking, and struggled to meet obligations in (dollar) debt. As a result, most of them turn to banks to obtain... View Details
Keywords: by Sean Silverthorne
- 25 Jan 2010
- Research & Ideas
A Macroeconomic View of the Current Economy
European Central Bank suddenly (and unexpectedly) raises its key short-term interest rate tomorrow, you're probably going to see the euro appreciate, almost immediately. If the central bank of the United... View Details
Keywords: by Sean Silverthorne
- 23 Jun 2008
- Research & Ideas
Innovative Ways to Encourage Personal Savings
such a product exactly as it exists in other countries, you would likely be in violation of both state lottery laws and federal banking regulations. Fortunately, one can test the structure under sweepstakes laws. Preliminary results for... View Details
- 28 Aug 2014
- Op-Ed
Government Can Do More to Unfreeze Small Business Credit
(Editor's note: This is the third in a series of articles based on a Harvard Business School working paper by Karen Mills that analyzes the current state of availability of bank capital for small business.) Access to credit is critical to... View Details
- 27 Jun 2016
- Working Paper Summaries
Fiscal Rules and Sovereign Default
- 26 Jan 2021
- Research & Ideas
A New Way to Cut Credit Card Debt: Pay Off One Purchase at a Time
A novel approach to repaying debt could help consumers free themselves from crushing credit card balances faster, according to new research. Rather than asking borrowers to make payments toward their total balances, Harvard Business... View Details
- 22 Apr 2014
- First Look
First Look: April 22
control over the use of remittances. In partnership with a Salvadoran bank, we offered U.S.-based migrants from El Salvador bank accounts in their home country into which they could send remittances. We randomly varied migrant control... View Details
Keywords: Sean Silverthorne
- 06 Nov 2012
- First Look
First Look: November 6
entrepreneurs. The results are consistent with intra-section learning, where the close ties between section-mates lead to insights about the merits of business plans. Corporate Ownership Structure and the Choice Between Bank View Details
Keywords: Sean Silverthorne
- 20 Sep 2016
- First Look
September 20, 2016
find that the effects are stronger among innovating Massachusetts firms, particularly those facing greater Wall Street scrutiny. The evidence is consistent with staggered boards improving managers' incentives to make long-term investments. Sovereign View Details
Keywords: Sean Silverthorne
- 13 Jun 2012
- HBS Case
HBS Cases: A Startup Takes On the Credit Ratings Giants
media, and can be rated without any interaction between the issuer and rating agency. Typically, structured products are rated by only a single agency. Further, while there are thousands of corporate bond issuers, "there's only a handful of View Details
- 02 Jul 2015
- Op-Ed
The Future of the Greek Economy
pay wages? Why pay loans? With what? What does a "no" mean? What does a "yes" guarantee? These weeks have been a nightmare, with no medium of exchange and banks facing growing lines of depositors who want to withdraw... View Details
- 06 Apr 2010
- First Look
First Look: April 6
standard deviation increase in the divergence increases the average loan spread by approximately 18%, or 35 basis points. The effect of the excess control rights on the cost of bank debt is more pronounced... View Details
Keywords: Martha Lagace
- 12 Jul 2016
- First Look
July 12, 2016
model is defaultable bank liabilities that provide liquidity services to households. The quality of the liquidity services provided by bank liabilities depends on their safety in case of default. Commercial... View Details
Keywords: Sean Silverthorne