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- All HBS Web (171)
- Faculty Publications (54)
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- 29 Sep 2008
- Research & Ideas
Financial Crisis Caution Urged by Faculty Panel
Depression-era legislation, and remained distinct for many years. Commercial banks made loans, kept the loans on their books, and took in deposits "through the door." For their part, investment... View Details
- 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
- 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 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
- 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
- 10 Dec 2013
- First Look
First Look: December 10
across the United States: proximity to historical mining deposits is associated with bigger firms and fewer start-ups in the middle of the 20th century. We use mines as an instrument for our entrepreneurship measures and find a persistent... View Details
Keywords: Sean Silverthorne
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 30 Nov 2016
- Op-Ed
Where Could More Regulation Help Small Businesses? Online Lending.
Our regulatory system has also been an unnecessary albatross on the growth of fintech players and on banks who try to partner with them. No single federal regulator has authority to oversee business lending. Instead, there is a spaghetti... View Details
- 11 Jan 2011
- First Look
First Look: Jan. 11
such beliefs emerge in equilibrium even if depositors and bank owners have the same preferences and the same investment opportunities. Various government regulations of these institutions, including minimum capital levels, requirements... View Details
Keywords: Sean Silverthorne
- 06 Mar 2018
- First Look
First Look at Research and Ideas, March 6, 2018
receive lower satisfaction scores than banks serving customer bases with less dispersed needs. Finally, a longitudinal analysis of the deposit growth of all federally insured View Details
Keywords: Sean Silverthorne