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Essays on Banking Competition.

Correia, Sergio.

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Essays on Banking Competition.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Essays on Banking Competition./
作者:	Correia, Sergio.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2016,
面頁冊數:	141 p.
附註:	Source: Dissertation Abstracts International, Volume: 77-09(E), Section: A.
Contained By:	Dissertation Abstracts International77-09A(E).
標題:	Banking. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10105876
ISBN:	9781339693279

Essays on Banking Competition.
Correia, Sergio.

Essays on Banking Competition. - Ann Arbor : ProQuest Dissertations & Theses, 2016 - 141 p.

Source: Dissertation Abstracts International, Volume: 77-09(E), Section: A.

Thesis (Ph.D.)--Duke University, 2016.

This item is not available from ProQuest Dissertations & Theses.

I study local shocks to consumer credit supply arising from the opening of bank-related retail stores. Bank-related store openings coincide with sharp increases in credit card placements in the neighborhood of the store, in the months surrounding the store opening, and with the bank that owns the store. I exploit this relationship to instrument for new credit cards at the individual level, and find that obtaining a new credit card sharply increases total borrowing as well as default risk, particularly for risky and opaque borrowers. In line with theories of default externality, I observe that existing lenders react to the increased consumer borrowing and associated riskiness by contracting their own supply. In particular, in the year following the issuance of a new credit card, banks without links to stores reduce credit card limits by 24--51%, offsetting most of the initial increase in total credit limits.

ISBN: 9781339693279Subjects--Topical Terms:

1557594
Banking.

Essays on Banking Competition.
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