Loan Loss Provisioning - Publications - Faculty & Research

03 Dec 2008
What Do You Think?

Can Housing and Credit be “Nudged” Back to Health?

provisions that made them difficult to compare, even for economic man, let alone for average consumers who may also have had too little self-control in their desire for a home and a mortgage. The resulting mortgages were then packaged in... View Details

Keywords: by Jim Heskett

09 Jan 2006
Research & Ideas

Rebuilding Commercial Real Estate

'78), the former head of real estate for Fidelity Management & Research Company in Boston who now handles special projects for Fidelity. Real estate syndicators essentially sold tax losses to their well-heeled clients. Savings and... View Details

Keywords: by Roger Thompson; Construction; Real Estate

Web

Unpacking Hidden Risk in the Trusted Treasury Market | Working Knowledge

lot of fast selling, and that causes instability. In the start of the COVID crisis of March 2020, spreads widened sharply, hedge funds made large losses and rapidly deleveraged, resulting in dysfunction in the Treasury market. “You have... View Details

01 Jun 2011
News

What’s after Fannie and Freddie?

guarantees with private, for-profit entities, those private entities put the government at risk. There’s an incentive for the private entities to hold as little capital as possible against their own loan guarantees, and they would lobby... View Details

Keywords: Roger Thompson; Credit Intermediation and Related Activities; Finance

04 Apr 2005
What Do You Think?

Can an Organization’s “Deep Smarts” Be Preserved?

Summing Up This month's column appears to have struck a chord with those who lament the continuing loss of implicit knowledge buried inside the heads of experienced leaders (termed "deep smarts" by Dorothy Leonard and Walter... View Details

Keywords: by James Heskett

12 Sep 2007
Op-Ed

Building Sandcastles: The Subprime Adventure

the subprime lenders—willing to take the risk on riskier borrowers, for a price. Thus far the tale testifies to America's entrepreneurial spirit. New mortgage banks specializing in subprime loans sprang up. Their panoply of products... View Details

Keywords: by Nicolas P. Retsinas; Banking; Construction; Real Estate

03 Jan 2017
Research & Ideas

5 New Year's Resolutions You Can Keep (With the Help of Behavioral Science Research)

suggest that the mere provision of information on peer health behaviors can have perverse effects on one's health behavior." To learn more, see Converging to the Lowest Common Denominator in Physical Health by Leslie John and Michael... View Details

Keywords: by Carmen Nobel

01 Dec 2005
News

Trillion-Dollar Fixer-Upper

players to the table, none driven by purely economic rationale, says Lee Sandwen (MBA ’77, JD ’78), the former head of real estate for Fidelity Management & Research Company in Boston who now handles special projects for Fidelity. Real estate syndicators essentially... View Details

Keywords: Roger Thompson; Real Estate

12 Oct 1999
Research & Ideas

Building Bridges: New Dimensions in Negotiation

"and it changed the nature of Chile's BATNA in favor of the company." Among other tactics, the company offered to sell a majority of its equity stake to the Chilean government and use the proceeds, along with loans guaranteed by... View Details

Keywords: by Anita M. Harris

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Terms of Use - HBS Online

of your User Account or Login Credential. We will not be responsible for any loss or damage arising from unauthorized access to your User Account or Login Credential. In registering for a User Account or obtaining a Login Credential, or... View Details

29 Sep 2008
Research & Ideas

Financial Crisis Caution Urged by Faculty Panel

Liquidity vanished. Similar to mortgage-backed securities, highly leveraged loans and other transactions were characterized by a lack of transparency. "When one looked at an institution, it was very hard to understand who had what... View Details

Keywords: by Martha Lagace; Financial Services

19 Jul 2004
Research & Ideas

Your Customers: Use Them or Lose Them

the best price, "full stop," said Frei. Another confounding factor for the insurance business is that companies lose money on auto insurance, she added. "Every company with the exception of maybe five loses money on auto insurance. They make up for that... View Details

Keywords: by Martha Lagace

21 Jul 2010
Research & Ideas

HBS Faculty Debate Financial Reform Legislation

everything I might have wanted, but the legislative process seldom produces that. Certain elements of this reform are positive and helpful, including the creation of a formal resolution authority and a systemic risk regulator; provisions... View Details

Keywords: by Staff

06 Feb 2018
First Look

First Look at New Research and Ideas: February 6, 2018

investors in marketplace lending improves screening outcomes but also creates adverse selection. In maximizing loan volume, the platform trades of these two forces by choosing intermediate levels of platform pre-screening and information... View Details

13 Jul 2010
First Look

First Look: July 13

associated with a decrease in non-performing loans and an increase in interest rate spreads, suggesting that foreign concerns bought domestic banks that had been making loans with low interest rates to... View Details

Keywords: Martha Lagace

02 May 2011
Research & Ideas

Casino Payoff: Hands-Off Management Works Best

reference." Looking At Other Industries The gaming industry is a unique setting for this kind of research, given its tight regulation by gaming control boards and the government, and its hyper focus on profitability, security, and loss... View Details

Keywords: by Dennis Fisher; Entertainment & Recreation

23 Apr 2008
Op-Ed

The Gap in the U.S. Treasury Recommendations

not just what are known now as commercial banks. Like the current bank regulators, however, the new prudential regulator would protect its own territory, trying to make sure disaster does not strike on its watch. During the U.S. recession of the early 1990s, large... View Details

Keywords: by Dwight Crane; Banking; Construction; Real Estate; Financial Services

19 Jun 2012
First Look

First Look: June 19

Lazzarini Abstract In this paper we document the extent and reach of state capitalism around the world and explore its economic implications. We focus on governmental provision of capital to corporations-either equity or debt-as a... View Details

Keywords: Sean Silverthorne

19 May 2009
First Look

First Look: May 19, 2009

credit products in the U.S. with an emphasis on the types of products that low—and moderate—income consumers use. Included here are the following: credit cards, bank overdraft products, payday lending, personal loans and peer-to-peer... View Details