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  1. Unintended consequences of "mandatory" flood insurance
    Autor*in: Blickle, Kristian; Santos, João A. C.
    Erschienen: [2022]
    Verlag:  Federal Reserve Bank of New York, New York, NY

    We document that the quasi-mandatory U.S. flood insurance program reduces mortgage lending along both the extensive and intensive margins. We measure flood insurance mandates using FEMA flood maps, focusing on the discreet updates to these maps that... mehr

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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 207
    Fernleihe:
    keine Fernleihe

     

    We document that the quasi-mandatory U.S. flood insurance program reduces mortgage lending along both the extensive and intensive margins. We measure flood insurance mandates using FEMA flood maps, focusing on the discreet updates to these maps that can be made exogenous to true underlying flood risk. Reductions in lending are most pronounced for low-income and low-FICO borrowers, implying that the effects are at least partially driven by the added financial burden of insurance. Our results are also stronger among non-local or more-distant banks, who have a diminished ability to monitor local borrower adherence to complicated insurance mandates. Overall, our findings speak to the unintended consequences of (well-intentioned) regulation. They also speak to the importance of factoring in affordability and enforcement feasibility when introducing mandatory standards.

     
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/262062
    Schriftenreihe: Staff reports / Federal Reserve Bank of New York ; no. 1012 (April 2022)
    Schlagworte: insurance; unintended consequences; regulation; FEMA maps; flooding; mortgage lending; access to credit
    Umfang: 1 Online-Ressource (circa 55 Seiten), Illustrationen
  2. Elections hinder firms' access to credit
    Autor*in: Léon, Florian; Weill, Laurent
    Erschienen: 9 February 2022
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    To analyze whether the occurrence of elections affects access to credit for firms, we perform an investigation using firm-level data covering 44 developed and developing countries. The results show that elections impair access to credit.... mehr

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 686
    Fernleihe:
    keine Fernleihe

     

    To analyze whether the occurrence of elections affects access to credit for firms, we perform an investigation using firm-level data covering 44 developed and developing countries. The results show that elections impair access to credit. Specifically, firms are more credit-constrained in election years and pre-election years as elections exacerbate political uncertainty. While lower credit demand is a tangible negative effect of elections, their occurrence per se does not seem to affect credit supply. We further establish that the design of political and financial systems affects how elections influence access to credit.

     
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Ebook
    Format: Online
    ISBN: 9789523234017
    Weitere Identifier:
    hdl: 10419/249607
    Schriftenreihe: BOFIT discussion papers ; 2022, 3
    Schlagworte: elections; access to credit; credit constraints
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  3. Jobs, access to credit and informality in the Middle East and North Africa
    Autor*in: Brancati, Emanuele; Di Maio, Michele; Rahman, Aminur
    Erschienen: 2022
    Verlag:  European Investment Bank, [Luxembourg]

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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 878
    Fernleihe:
    keine Fernleihe
    Export in Literaturverwaltung   RIS-Format
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Ebook
    Format: Online
    ISBN: 9789286153235
    Weitere Identifier:
    Schriftenreihe: Economics
    MENA enterprise survey report working papers ; volume 2
    Schlagworte: employment; access to credit; informality; MENA countries
    Umfang: 1 Online-Ressource (circa 42 Seiten), Illustrationen
  4. I divari territoriali nell’accesso delle imprese italiane al credito
    Autor*in: Bottoni, Carlo; Cascarano, Michele; Garrì, Iconio; Mirenda, Litterio; Mistrulli, Paolo Emilio; Pizzillo, Dalia Maria; Revelli, Davide; Ropele, Tiziano
    Erschienen: [2022]
    Verlag:  Banca d'Italia, [Rom]

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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 547
    Fernleihe:
    keine Fernleihe
    Export in Literaturverwaltung   RIS-Format
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    Quelle: Verbundkataloge
    Sprache: Italienisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    Schriftenreihe: Questioni di economia e finanza / Banca d'Italia ; number 710 (Luglio 2022)
    Schlagworte: territorial gaps; access to credit; cost of credit
    Umfang: 1 Online-Ressource (circa 34 Seiten), Illustrationen