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- All HBS Web (173)
- Faculty Publications (54)
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- 04 Aug 2014
- Op-Ed
Why Small-Business Lending Is Not Recovering
recently went by with no new bank charters issued by the Federal Deposit Insurance Corporation (FDIC), the first time that happened in the agency's 80-year history. Perhaps the most compelling cyclical... View Details
- 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
- 19 Jul 2004
- Research & Ideas
Your Customers: Use Them or Lose Them
wisdom for banks was that in order to grow they should offer the best rates of deposit or buy another company. Instead, she said, Commerce Bank offered the worst View Details
Keywords: by Martha Lagace
- 02 May 2017
- First Look
First Look at New Research: May 2, 2017
two new measures of bank productivity: one focused on deposit-taking productivity and one focused on asset productivity. We then use these measures to evaluate the cross-section of bank value. Both... View Details
Keywords: Carmen Nobel
- 21 Jul 2010
- Research & Ideas
HBS Faculty Debate Financial Reform Legislation
such as certificates of deposit and consumer loans, but it will not be allowed to inspect most banks, since they are already examined by the banking agencies. At the same time, the CFPC's jurisdiction was... View Details
Keywords: by Staff
- 20 Mar 2018
- First Look
First Look at New Research and Ideas, March 20, 2018
dimensions. Consistently, banks that serve customer bases with more dispersed needs receive lower satisfaction scores than banks serving customer bases with less dispersed needs. Finally, a longitudinal... View Details
Keywords: Sean Silverthorne
- 15 Feb 2011
- First Look
First Look: Feb. 15
compared to the long-easy philosophy. Download the paper: http://www.people.hbs.edu/mnorton/norton%20anik%20aknin%20dunn.pdf Deposit Insurance and Subsidized Recapitalizations Authors:Lucy White and Alan Morrison Publication:Journal of... View Details
Keywords: Sean Silverthorne
- 23 Apr 2008
- Op-Ed
The Gap in the U.S. Treasury Recommendations
firm's actions were threatening the system. A newly formed prudential regulator would regulate financial institutions that had some type of explicit government guarantee such as deposit insurance. In that role it would supersede existing... View Details
- 24 Mar 2015
- First Look
First Look: March 24
March 2015 American Economic Journal: Macroeconomics A Behavioral Model of the Popularity and Regulation of Demandable Liabilities By: Rotemberg, Julio J. Abstract—Overoptimism regarding one's ability to arrive early in a queue is shown to rationalize View Details
Keywords: Sean Silverthorne
- 23 Jan 2018
- First Look
First Look at New Research and Ideas, January 23, 2018
transformation strategies that can be executed in the capital market. Over the period 1960–2016, we find that (1) unlevered bank assets underperform passive portfolios of maturity-matched U.S. Treasury bonds; (2) the cost of View Details
Keywords: Sean Silverthorne
- 22 Jul 2014
- First Look
First Look: July 22
traditional commercial banks in the context of their coexistence with shadow banks. While both types of intermediaries create safe "money-like" claims, they go about this in different ways. Traditional View Details
Keywords: Sean Silverthorne
- 24 Oct 2012
- Research & Ideas
Want People to Save More? Send a Text
what the researchers found after testing all three methods: Participants in the self-help peer group deposited 3.5 times more often into the savings account, and their savings balance was almost twice that of participants in the control... View Details
Keywords: by Kim Girard
- 03 May 2011
- First Look
First Look: May 3
leadership, SBI had been losing market share for over two decades to private and foreign banks. Analysts and industry observers had predicted that at the prevailing growth rates ICICI Bank, a private bank launched in 1994, would overtake... View Details
Keywords: Sean Silverthorne
- 02 Sep 2002
- Research & Ideas
The Role of Government When All Else Fails
varied so widely. A policy aimed at strengthening the banking system, for example, might seem to have little in common with a policy designed to compensate the victims of involuntary unemployment. But the truth is that public View Details
Keywords: by Laura Linard
- 13 Feb 2013
- Research & Ideas
5 Weight Loss Tips From Behavioral Economists
double-or-nothing on a diet bet. A group of obese hospital patients agreed to a "deposit contract," banking a small amount of their own money into a pot each day during a 32-week weight-loss trial. The research team agreed to match the... View Details
Keywords: by Carmen Nobel
- 14 Feb 2012
- First Look
First Look: February 14
Abstract Behavioral economic-based interventions are emerging as powerful tools to help individuals accomplish their own goals, including weight loss. Deposit contract incentive systems give participants the opportunity to put their money... View Details
Keywords: Carmen Nobel
- 17 Mar 2015
- First Look
First Look: March 17
of intermediaries create safe "money-like" claims, they go about this in different ways. Traditional banks create money-like claims by holding illiquid fixed-income assets to maturity, and they rely on View Details
Keywords: Sean Silverthorne
- 03 Mar 2008
- First Look
First Look: March 4, 2008
charters that were slated to expire over the next four years. On the table was a completely untested proposal to create a mandatory public insurance fund that would back the banknotes and deposits of every state bank. As View Details
Keywords: Martha Lagace
- 22 Jun 2009
- Research & Ideas
“Too Big To Fail”: Reining In Large Financial Firms
response, he continues. With the banking system near collapse, the Roosevelt administration engineered sweeping federal intervention into the marketplace, including creation of federal deposit insurance,... View Details
- 17 Nov 2009
- First Look
First Look: Nov. 17
lending. In particular, we show that banks cut their lending less if they had better access to deposit financing, and thus they were not as reliant on short-term debt. We also show that View Details
Keywords: Martha Lagace