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  • 02 Sep 2015
  • Research & Ideas

Explaining China's Crash

intervene in the currency market. Finally, the Chinese central bank has room for further monetary stimulus; they can lower the reserve requirement for banks from the current 18 percent of deposits and they... View Details
Keywords: by Christina Pazzanese; Financial Services
  • 02 May 2017
  • First Look

First Look at New Research: May 2, 2017

responsible for the majority of variation in bank value. We also find evidence consistent with synergies between deposit-taking and lending activities: banks with high deposit... View Details
Keywords: Carmen Nobel
  • 23 Jan 2008
  • Op-Ed

A House Divided: Investment or Shelter?

country, they yearned for shelter, a sanctuary in a new land. That shelter could be a tenement, a farmstead, a ramshackle cottage. For families, home had a connotation of safety and stability. Banks did not View Details
Keywords: by Nicolas P. Retsinas; Banking; Banking; Banking
  • 19 Nov 2019
  • Op-Ed

Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech

Twittersphere that they would investigate. Technology is undeniably transforming the financial services industry. Fintechs, Big Tech, and banks are using increasing volumes of data, artificial intelligence, and machine learning to build... View Details
Keywords: by Karen G. Mills; Financial Services
  • 17 Nov 2009
  • First Look

First Look: Nov. 17

economists and other social scientists as they guide our most important personal and societal decisions. Bank Lending During the Financial Crisis of 2008 Authors:Victoria Ivashina and David S. Scharfstein... View Details
Keywords: Martha Lagace
  • 14 Oct 2009
  • First Look

First Look: October 14

assuring price transparency so advertisers know what they're buying. I explain the need for these rights by presenting specific practices causing particular concern. The Decline and Renewal of British Multinational Banking... View Details
Keywords: Martha Lagace
  • 05 Nov 2024
  • Book

Building the Road to 'Small Business Utopia' with AI and Fintech

lending is not yet complete, but we can already see its promise. As technology opened the doors to vast troves of data, opportunities emerged to create new insights on a small businesses health and prospects. These inputs have the... View Details
Keywords: by Karen G. Mills; Financial Services
  • 20 Sep 2011
  • First Look

First Look: September 20

associated with risky lending in the corporate loan market by examining the performance of individual loans held by CLOs. We employ two different datasets that identify loan holdings for a large set of CLOs and find that adverse selection... View Details
Keywords: Sean Silverthorne
  • 20 Nov 2007
  • First Look

First Look: November 20, 2007

ownership patterns across different towns, allowing credible identification of the effects of bank ownership on financial development, lending rates, and the quality of intermediation, as well as employment... View Details
Keywords: Martha Lagace
  • 05 Aug 2024
  • Research & Ideas

Watching for the Next Economic Downturn? Follow Corporate Debt

than households. Once banks are forced to cope with that load of unpaid debt, historically, the consequences amplify, says Ivashina, the Lovett-Learned Professor of Business Administration and Finance Unit Head at HBS. “It tells you that... View Details
Keywords: by Rachel Layne
  • 16 Oct 2007
  • First Look

First Look: October 16, 2007

encourage bankers to loot their banks at the expense of minority shareholders and depositors. We argue that neither looting nor credit misallocation are necessary outcomes of related lending. On the contrary, related View Details
Keywords: Sean Silverthorne
  • 15 Jan 2013
  • First Look

First Look: January 15

http://ssrn.com/abstract=2192460 Dollar Funding and the Lending Behavior of Global Banks Authors:Ivashina, Victoria, David S. Scharfstein, and Jeremy C. Stein Abstract A large share of dollar-denominated... View Details
Keywords: Sean Silverthorne
  • 22 Jul 2008
  • First Look

First Look: July 22, 2008

I find that government-owned bank lending tracks the electoral cycle, with agricultural credit increasing by 5-10 percentage points in an election year. There is significant cross-sectional targeting, with... View Details
Keywords: Martha Lagace
  • 07 Sep 2011
  • First Look

First Look: Sept. 7

use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks—where branch managers have greater autonomy over lending decisions—give... View Details
Keywords: Sean Silverthorne
  • 24 Sep 2020
  • Research & Ideas

Financial Meltdowns Are More Predictable Than We Thought

research by Harvard Business School Professors Robin Greenwood and Samuel G. Hanson begs to differ. Financial crises, even ones as calamitous as the 2007-2008 banking meltdown, are surprisingly predictable to those who know the warning... View Details
Keywords: by Danielle Kost; Financial Services
  • 21 Jul 2010
  • Research & Ideas

HBS Faculty Debate Financial Reform Legislation

the long-term lending most borrowers need—is now performed outside the channels most visible to the Federal Reserve or the Federal Deposit Insurance Corp. We should not blame anyone but ourselves for this. Almost 40 years ago, savers... View Details
Keywords: by Staff
  • 13 Sep 2004
  • Research & Ideas

Cash and the Woman-Owned Business

businesses are also becoming more accessible. Financing through government-sponsored lending programs such as the 7(a) General Business Loan Guaranty program, the Certified Development Company (504) loan program, and the Microloan program... View Details
Keywords: by Candida Brush, Nancy M. Carter, Elizabeth Gatewood, Patricia G. Greene & Myra M. Hart
  • 17 Dec 2001
  • Research & Ideas

Becoming the Next Real Estate Mogul

saw—that's a ton of fun," he said. There was general agreement on this point, but land and buildings aren't always part of the equation when it comes to calculating the industry's appeal, added Vincent J. Constantini, founder and managing partner of Roseview... View Details
Keywords: by Julia Hanna; Construction; Real Estate
  • 04 Nov 2014
  • First Look

First Look: November 4

  Publications November 2014 Centro de Estudios Espinosa Yglesias Los Buenos Tiempos Son Éstos: Los efectos de la incursión de la banca extranjera en México después de un siglo de crisis bancarias [These Are the Good Old Days: Foreign Entry and the Mexican View Details
Keywords: Sean Silverthorne
  • 18 Dec 2007
  • First Look

First Look: December 18, 2007

  Working PapersHappiness, Contentment and Other Emotions for Central Banks Authors:Rafael Di Tella and Robert MacCulloch Abstract We show that data on satisfaction with life from over 600,000 Europeans are negatively correlated with the... View Details
Keywords: Martha Lagace

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