Bank Lending - Publications - Faculty & Research

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Harvard Business School

of Boston who served in World War II, Herb Lyken became a professor of Finance and Accounting at the University of Massachusetts, Boston and taught for 15 years. He was also a founder and board member of the Unity Bank and Trust in... View Details

22 Aug 2024
Research & Ideas

Reading the Financial Crisis Warning Signs: Credit Markets and the 'Red-Zone'

credit market dynamics—and investor behavior. HBS Working Knowledge spoke with Robin Greenwood, the George Gund Professor of Finance and Banking at Harvard Business School, about the role markets may play in shaping economic conditions.... View Details

Keywords: by Rachel Layne; Banking

22 Feb 2022
News

Savings and Loam

are being deployed on the lending side,” he says. Cummings, who jokes that he’s “going from pretend farmer to pretend banker,” submitted the banking charter and FDIC insurance applications in August 2021 and... View Details

Keywords: Jen McFarland Flint; Funds, Trusts, and Other Financial Vehicles; Finance

01 Sep 2018
News

After the Fall

Lovett-Learned Professor of Business Administration In mid-2007, corporate lending began to decrease—a trend that accelerated during the banking panic in the fall of 2008, with new loans to large borrowers... View Details

Keywords: Jennifer Myers; illustration by Dan Bejar; Monetary Authorities-Central Bank; Monetary Authorities-Central Bank; Monetary Authorities-Central Bank; Monetary Authorities-Central Bank; Monetary Authorities-Central Bank; Monetary Authorities-Central Bank

09 Apr 2014
Research & Ideas

A Playbook for Small-Business Job Creation

in the country when they were in their infancy-including Apple and Intel. It's important that we figure out how to do more of this, and SBIC may be a good model to build on." Traditional Bank Lending Is... View Details

Keywords: by Carmen Nobel; Banking; Banking

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2024 Reunion Presentations - Alumni

economic research has examined the influence of policy movements on bank lending behavior, capital flows, and market responses in the public sector, the private equity industry—despite its substantial size... View Details

29 Sep 2008
Research & Ideas

Financial Crisis Caution Urged by Faculty Panel

his insights to set the stage. Senior Lecturer Clayton S. Rose, who for 20 years worked at JP Morgan & Company and headed global investment banking and global equity there, discussed the implications of change in commercial and... View Details

Keywords: by Martha Lagace; Financial Services

12 Sep 2007
Op-Ed

Building Sandcastles: The Subprime Adventure

inflation, a stake in the community. As home prices rose, millions of renters, particularly those with less-than-stellar credit, yearned to seize the American dream. But traditional banks shunned "credit-impaired" borrowers.... View Details

Keywords: by Nicolas P. Retsinas; Banking; Banking; Banking

01 Sep 2016
News

The Big Business of Little Loans

Funding Circle, among others. It was a wide circle. These startups are part of a new ecosystem filling the void left by traditional banks that don’t want to lend to small businesses because they are too... View Details

Keywords: Nancy Miller

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

30 Nov 2016
Op-Ed

Where Could More Regulation Help Small Businesses? Online Lending.

services where commonsense regulation is welcome and needed: online lending to businesses. Over the last few years online business lending has exploded. Dozens of “financial technology” (fintech) players... View Details

Keywords: by Karen Mills and Brayden McCarthy; Financial Services

13 Jul 2016
News

From Money to Ministry

Photography by Tori Soper Rodney Quainton (MBA 1970) had always wanted to be a banker. At Yale (Class of 1962), courses on money management and banking attracted him. “At that time,” he recalls, “banking was considered an honorable... View Details

Keywords: Margie Kelley

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

26 Nov 2019
News

Fintech, Small Business & the American Dream

of 2009 alone, Mills points out that 1.8 million small business jobs were lost. Heavily dependent on credit, small businesses were unable to access capital markets as banks reeled from the crisis and lending... View Details

Keywords: fintech; Artificial intelligence; Small business

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

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

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Managing and Innovating in Financial Services - Course Catalog

of fintech is about providing services to banks. Third, many innovators depend on banks as their partners – either to provide credit to them or to facilitate their financial transactions, both in lending and... View Details

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