Bank Credit - Publications - Faculty & Research

19 Nov 2019
Op-Ed

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

Hansson tweeted that after both he and his wife Jamie applied for the Apple Card with much of the same or shared financial information, he was astonished to receive a credit limit 20 times higher, despite his wife’s higher View Details

Keywords: by Karen G. Mills; Financial Services

23 Dec 2002
Research & Ideas

Setting the Stage: A Young Scholar at HBS

healthcare industry. Wadhwani earned his Ph.D. in history at the University of Pennsylvania, where his research focused on the institutional and regulatory origins of popular banking in the United States. He has received awards and... View Details

Keywords: by Laura Linard; Banking; Banking

April 2014
Teaching Note

Risk Management at Wellfleet Bank: All That Glitters Is Not Gold

By: Anette Mikes

Teaching Note for 110011. View Details

Keywords: Credit; Risk Management; Governance; Performance Evaluation; Banking Industry

Citation

Purchase

09 Apr 2014
Research & Ideas

A Playbook for Small-Business Job Creation

in the competitiveness discussion, as well. The level of dependence of small firms on bank credit is estimated to be as high as 90 percent, according to separate studies by the Federal Deposit Insurance... View Details

Keywords: by Carmen Nobel; Banking; Banking

09 May 2011
Research & Ideas

Moving From Bean Counter to Game Changer

Early Warning System that conveyed the bank's "risk view." Management started using these tools to frame important debates, such as the evaluation of divisional heads' performance at quarterly business reviews. The system also helped the View Details

Keywords: by Kim Girard; Banking

October 2013 (Revised December 2013)
Teaching Note

Blackstone and the Sale of Citigroup's Loan Portfolio Teaching Note

By: Victoria Ivashina and David Scharfstein

Keywords: Derivatives; Bankruptcy; Credit Derivatives and Swaps; Private Equity; Restructuring; Insolvency and Bankruptcy; Banks and Banking; Banking Industry; Banking Industry

Citation

Purchase

22 Jun 2009
Research & Ideas

“Too Big To Fail”: Reining In Large Financial Firms

the past to lower risk and instill consumer confidence. "From the founding of the republic until 1933, the United States experienced banking panics roughly every fifteen to twenty years," explains Moss. When the Great Depression struck,... View Details

Keywords: by Roger Thompson; Banking; Banking

18 Dec 2007
First Look

First Look: December 18, 2007

Banking, and Loan Repayment Authors:Martin Brown and Christian Zehnder Periodical:Journal of Money, Credit and Banking 38, no. 8 (December 2007) Abstract How does information sharing between lenders affect... View Details

Keywords: Martha Lagace

28 Mar 2018
Research & Ideas

Sophisticated Investors May Be Harming Fintech Lending Platforms

iPhoto Marketplace lending platforms such as LendingClub and Prosper have made significant competitive inroads against traditional banks in recent years by bringing together people who want to borrow with investors ready to bankroll them.... View Details

Keywords: by Dina Gerdeman; Banking; Banking

04 Mar 2016
Working Paper Summaries

Credit-Market Sentiment and the Business Cycle

Keywords: by David Lopez-Salido, Jeremy C. Stein, and Egon Zakrajsek; Banking

02 Sep 2015
Research & Ideas

Explaining China's Crash

practically zero here. One thing to watch for will be how China ensures the stability of its financial system since total debt has reached 250 percent of GDP, credit has been abundant, and the size of the shadow View Details

Keywords: by Christina Pazzanese; Financial Services

05 Aug 2024
Research & Ideas

Watching for the Next Economic Downturn? Follow Corporate Debt

probability of a crisis within the next three years. “Once the bank balance sheet is handicapped, all kinds of other consequences come out.” An ensuing recovery can take longer to develop once a financial crisis abates if commercial View Details

Keywords: by Rachel Layne

17 Apr 2017
HBS Case

This Turkish Debt Collector Is Customer-friendly

NPLs—including mortgages, credit cards, and car loans on which customers had defaulted. “At a certain point, it becomes clear to banks that they can’t collect without a lot of effort, so their choice is to... View Details

Keywords: by Michael Blanding; Financial Services

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 lend with 30-year amortizing... View Details

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

07 Sep 2011
First Look

First Look: Sept. 7

decentralized banks are also more responsive to their own competitive environment. They are more likely to expand credit when faced with competition but also cherry pick customers and restrict View Details

Keywords: Sean Silverthorne

06 Apr 2010
First Look

First Look: April 6

activities increase the monitoring costs and the credit risk faced by banks and, in turn, raise the cost of debt for the borrower. Working Papers A New Model of Integrity: The Missing Factor of Production... View Details

Keywords: Martha Lagace

30 Nov 2016
Op-Ed

Where Could More Regulation Help Small Businesses? Online Lending.

addressable market of $280 billion. That’s music to the ears of small businesses. Indeed, our research shows a sizeable credit gap exists for small businesses, particularly for loans under $100,000, which is the size that over 60 percent... View Details

Keywords: by Karen Mills and Brayden McCarthy; Financial Services

01 Nov 2011
First Look

First Look: Nov. 1

strongest predictors of entry, with labor laws and household banking quality also playing important roles. Looking at the district-industry level, we find extensive evidence of agglomeration economies among manufacturing industries. In... View Details