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- Faculty Publications (13)
Show Results For
- All HBS Web (65)
- Faculty Publications (13)
- 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
- 24 Sep 2020
- Research & Ideas
Financial Meltdowns Are More Predictable Than We Thought
passed since risky mortgage lending, excessive borrowing, and soaring housing prices collided in 2008 to trigger one of the more severe financial crises in American history. Since then, economists have been studying the factors that led... View Details
- 01 Sep 2018
- News
After the Fall
is in 2006 and 2007, when banks were offering subprime mortgages to just about anyone and junk-rated firms were borrowing in droves. “When it looks like everyone has loosened their lending standards, that... View Details
- 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
- Web
Buy Now, Pay Later: Research Links - Secondary Resources
Manuscript Collections Printed Collections Visual Collections Secondary Resources Credits Bacheller, Irving. Keeping up with Lizzie; Charge It (New York: Harper & Brothers, 1911 and 1912). Full text available as a networked resource. Darrow, Edward N. A Treatise on... View Details
- Web
Real Property - Course Catalog
evaluating and operating each of these asset types, and particular risks or opportunities with respect to these types of projects and buildings. The third module reviews capital markets including private equity syndications and deal making, View Details
- 19 Aug 2021
- News
A Letter to My White Friends and Colleagues
institutions don't want to burden themselves with so many students who have financial needs. DM: One of the other recommendations you give is to put money in Black-owned banks. Part of the rationale, of course, there is that Black-owned banks are more likely to View Details
- 01 Dec 1997
- News
"Economists are puzzle solvers..."
same way. A home mortgage is a simple example of how our work is commonly applied. Most mortgages allow the homeowner the option to prepay the mortgage before its term is up.... View Details
- 21 Jan 2009
- First Look
First Look: January 21, 2009
new venture, come to terms with YouTube, the leading video-sharing site on the Internet, or maintain a nonexclusive strategy? Purchase this case: http://harvardbusinessonline.hbsp.harvard.edu/ b01/en/common/item_detail.jhtml?id=709447 Consumer View Details
Keywords: Martha Lagace
- 04 Oct 2016
- First Look
October 4, 2016
depends on the assets purchased and the degree of segmentation in the market. For example, QE1, which involved significant purchases of GSE-guaranteed mortgages, increased GSE-eligible mortgage originations significantly more than the... View Details
- 01 Dec 2018
- News
Ask the Expert: Gimme Shelter
from some additional equity (assuming incomes rise). And unlike paying rent to a landlord, each time the owner pays their mortgage they are paying down principal and building equity, just like a market-rate owner. Taken together, these... View Details
Keywords: Jen McFarland Flint
- 09 Aug 2016
- First Look
August 9, 2016
economic activity? This paper exploits the federal preemption of national banks in 2004 from local laws against predatory lending to gauge the effect of the supply of credit on the real economy. Specifically, we exploit the heterogeneity... View Details
Keywords: Sean Silverthorne
- 07 Sep 2007
- What Do You Think?
Are Elite Business Schools Fostering the Deprofessionalization of Management?
while abandoning any semblance of "professionalism." As readers, we are left to speculate how, if at all, this might have led to such phenomena as Enron, the management revolving door, and even today's subprime mortgage mess.... View Details
Keywords: by Jim Heskett
- 04 May 2009
- Research & Ideas
What’s Next for the Big Financial Brands
continue to assess accurately the risk profile of each local customer seeking a loan. As advertising for PNC Bank states: "Now more than ever responsible lending is everything." When consumers are uncertain, they need to have... View Details
- 21 Dec 2009
- Research & Ideas
Good Banks, Bad Banks, and Government’s Role as Fixer
assets seems to be based on the assumption that banks are the primary originator of new loans. In fact, banks accounted for only 22 percent of the credit extended in the United States. The main cause of reduced lending has been the... View Details
- 19 May 2022
- News
Leading to Salvation
He had passed away. His wife wanted to keep his legacy alive. It was very important to her. And so she actually mortgaged her house and put all that money in the funeral chapel. She owed the IRS a lot of money. Her life was in very, very... View Details
- 25 Mar 2013
- Research & Ideas
How Chapter 11 Saved the US Economy
financing, new lenders are given priority in the capital structure. This is a critical incentive because it spurs banks and other creditors to lend to companies in Chapter 11 by giving them senior status, effectively letting them stand in... View Details
- 14 Sep 2010
- First Look
First Look: September 14, 2010
lending data from a financial services organization that implemented a highly decentralized business model. I exploit variation in this organization in whether or not employees are selected via channels that are likely to sort on the... View Details
Keywords: Sean Silverthorne
- 17 Jan 2017
- First Look
First Look at New Research: January 17
preemption of national banks in 2004 from local laws against predatory lending to gauge the effect of the supply of credit on the real economy. Specifically, we exploit the heterogeneity in the market share of national banks across... View Details
Keywords: Sean Silverthorne
- 07 Feb 2017
- First Look
First Look at New Research: February 7
equities given recent reforms and to evaluate the investment approach of Misaki Capital. Purchase this case:https://cb.hbsp.harvard.edu/cbmp/product/117007-PDF-ENG Harvard Business School Case 417-049 Canada Mortgage and Housing... View Details
Keywords: Sean Silverthorne