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lending SIGNED

Drivers of Growth in Bank Lending and Financial Crises

Total Cost €

0

EC-Contrib. €

0

Partnership

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 lending project word cloud

Explore the words cloud of the lending project. It provides you a very rough idea of what is the project "lending" about.

maximum    complexity    securitization    granting    mortgage    dimension    lacking    validity    crisis    ingredient    settings    thought    global    prices    damaging    ingredients    ratios    datasets    tighten    missing    employed    despite    macroprudential    obtain    innovations    negative    exceptional    interacted    empirically    financial    singling    magnitude    credit    decisive    external    externalities    lending    pertinent    capital    theoretical    prospective    jointly    loan    estate    literature    played    explosive    individual    mentioned    setting    methodology    banking    recurrent    empirical    framework    phenomena    aforementioned    encompassing    confidently    appropriate    regulation    borrowers    identification    data    lack    academics    generally    micro    impossible    estimation    policymakers    boom    respective    paramount    macro    heels    relevancy    combining    leverage    crises    spurring    run    combinations    broad    corresponding    latest    lessen    correspondence   

Project "lending" data sheet

The following table provides information about the project.

Coordinator
UNIVERSITAT ZURICH 

Organization address
address: RAMISTRASSE 71
city: Zürich
postcode: 8006
website: http://www.unizh.ch

contact info
title: n.a.
name: n.a.
surname: n.a.
function: n.a.
email: n.a.
telephone: n.a.
fax: n.a.

 Coordinator Country Switzerland [CH]
 Total cost 2˙103˙440 €
 EC max contribution 2˙103˙440 € (100%)
 Programme 1. H2020-EU.1.1. (EXCELLENT SCIENCE - European Research Council (ERC))
 Code Call ERC-2016-ADG
 Funding Scheme ERC-ADG
 Starting year 2017
 Duration (year-month-day) from 2017-09-01   to  2022-08-31

 Partnership

Take a look of project's partnership.

# participants  country  role  EC contrib. [€] 
1    UNIVERSITAT ZURICH CH (Zürich) coordinator 2˙103˙440.00

Map

 Project objective

Banking crises are thought to be recurrent phenomena that generally come on the heels of strong credit growth. Their damaging real effects have generated a broad agreement among academics and policymakers that financial regulation needs to tighten and to obtain a macroprudential dimension that aims to lessen the negative externalities from the financial to the macro real sector.

Among the main ingredients that are often mentioned to have played a role in the explosive growth of credit in the run-up to the latest financial crisis are the financial innovations by financial institutions, in particular loan securitization, the boom in mortgage lending and prices of real estate, the lack of information about prospective borrowers, and the high leverage (and corresponding low capital ratios) of financial institutions.

Yet, despite the singling out of these ingredients by policymakers, decisive empirical evidence about their role and relevancy is lacking. However, given the magnitude and complexity of the global banking system and the lack of encompassing micro-level data, it is currently impossible to confidently study the impact of all ingredients jointly. This project therefore analyses pertinent settings where we can empirically identify the correspondence between the aforementioned individual ingredients and the credit granting by financial institutions.

The objective of the project is to advance identification and estimation of the impact of each respective factor on loan growth by combining the appropriate methodology with an exceptional set of micro-level datasets. When missing in the literature a theoretical framework will be provided. The project further aims to assess how potential combinations of these ingredients may have interacted in spurring credit growth. While the identification of the impact of each ingredient on credit growth is paramount, the individual setting of the studied datasets and employed methodologies will ensure maximum external validity.

 Publications

year authors and title journal last update
List of publications.
2018 Steven Ongena, Günseli Tümer–Alkan, Natalja von Westernhagen
Do Exposures to Sagging Real Estate, Subprime, or Conduits Abroad Lead to Contraction and Flight to Quality in Bank Lending at Home?*
published pages: 1335-1373, ISSN: 1572-3097, DOI: 10.1093/rof/rfy011
Review of Finance 22/4 2019-06-06
2019 Ongena Steven, Popov Alexander, van Horen Neeltje
The Invisible Hand of the Government: \'Moral Suasion\' During the European Sovereign Debt Crisis
published pages: , ISSN: , DOI:
2019-06-06
2019 Shusen Qi, Steven Ongena
Will Money Talk? Firm Bribery and Credit Access
published pages: 117-157, ISSN: 0046-3892, DOI: 10.1111/fima.12218
Financial Management 48/1 2019-06-06
2019 Manthos D. Delis, Iftekhar Hasan, Steven Ongena
Democracy and Credit \'Democracy Doesn\'t Come Cheap\' But at Least Credit to Its Corporations Will Be
published pages: 1-83, ISSN: 1556-5068, DOI: 10.2139/ssrn.2896818
SSRN Electronic Journal 2019-06-06
2017 Gabriel Jiménez, Steven Ongena, José-Luis Peydró, Jesús Saurina
Macroprudential Policy, Countercyclical Bank Capital Buffers, and Credit Supply: Evidence from the Spanish Dynamic Provisioning Experiments
published pages: 2126-2177, ISSN: 0022-3808, DOI: 10.1086/694289
Journal of Political Economy 125/6 2019-06-06
2018 Steven Ongena, Anna (Ania) Zalewska
Institutional and individual investors: Saving for old age
published pages: 257-268, ISSN: 0378-4266, DOI: 10.1016/j.jbankfin.2017.10.012
Journal of Banking & Finance 92 2019-06-06
2019 Emilia Garcia-Appendini, Judit Montoriol-Garriga
Trade Credit and Financial Distress
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.2457750
SSRN Electronic Journal 2019-06-06
2019 Shusen Qi, Steven Ongena
Fuel the Engine: Bank Credit and Firm Innovation
published pages: , ISSN: 0920-8550, DOI: 10.1007/s10693-019-00316-6
Journal of Financial Services Research 2019-06-06
2017 Fabio Braggion, Steven Ongena
Banking Sector Deregulation, Bank–Firm Relationships and Corporate Leverage
published pages: 765-789, ISSN: 0013-0133, DOI: 10.1111/ecoj.12569
The Economic Journal 129/618 2019-06-06
2018 Yavuz Arslan, Ahmet Degerli, Gazi Kabas
Unintended Consequences of Unemployment Insurance Benefits: The Role of Banks
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.3280437
SSRN Electronic Journal 2019-06-06
2019 Mascia Bedendo, Emilia Garcia-Appendini, Linus Siming
Cultural Preferences and Firm Financing Choices
published pages: 1-75, ISSN: 0022-1090, DOI: 10.1017/s0022109019000103
Journal of Financial and Quantitative Analysis 2019-06-06
2018 Judit Temesvary, Steven Ongena, Ann L. Owen
A global lending channel unplugged? Does U.S. monetary policy affect cross-border and affiliate lending by global U.S. banks?
published pages: 50-69, ISSN: 0022-1996, DOI: 10.1016/j.jinteco.2018.02.004
Journal of International Economics 112 2019-06-06
2018 Manthos D. Delis, Kathrin de Greiff, Steven Ongena
Being Stranded on the Carbon Bubble? Climate Policy Risk and the Pricing of Bank Loans
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.3125017
SSRN Electronic Journal 2019-06-06
2019 Michael Robert King, Steven R. G. Ongena, Nikola A. Tarashev
Bank Standalone Credit Ratings
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.3345619
SSRN Electronic Journal 2019-06-06
2019 Reint Gropp, Thomas C. Mosk, Steven Ongena, Carlo Wix
Bank Response to Higher Capital Requirements: Evidence from a Quasi-Natural Experiment
published pages: 266-299, ISSN: 1556-5068, DOI: 10.2139/ssrn.2877771
SSRN Electronic Journal 32/1 2019-06-06
2019 Olivier De Jonghe, Hans Dewachter, Klaas Mulier, Steven Ongena, Glenn Schepens
Some Borrowers are More Equal than Others: Bank Funding Shocks and Credit Reallocation
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.2774441
SSRN Electronic Journal 2019-06-06
2019 Raphael Auer, Steven R. G. Ongena
The Countercyclical Capital Buffer and the Composition of Bank Lending
published pages: , ISSN: 1556-5068, DOI: 10.2139/ssrn.3345189
SSRN Electronic Journal 2019-06-06
2019 Alper Kara, David Marques-Ibanez, Steven Ongena
Securitization and credit quality in the European market
published pages: 407-434, ISSN: 1354-7798, DOI: 10.1111/eufm.12168
European Financial Management 25/2 2019-06-06

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The information about "LENDING" are provided by the European Opendata Portal: CORDIS opendata.

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