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Political cycles and bank lending in Russia
(25.03.2020)
BOFIT Discussion Papers 8/2020
BOFIT Discussion Papers 8/2020
State-owned banks tend to increase lending before elections for the purpose of boosting the reelection odds of incumbent politicians. We employ monthly data on individual banks to study whether Russian banks increased their ...
The failure of Chinese peer-to-peer lending platforms : Finance and politics
(15.12.2020)
BOFIT Discussion Papers 27/2020
BOFIT Discussion Papers 27/2020
We investigate the influence of financial and political factors on peer-to-peer (P2P) platform failures in China’s online lending market. Using a competing risk model for platform survival, we show that large platforms, ...
Patterns and drivers of household income dynamics in Russia : The role of access to credit
(07.05.2020)
BOFIT Discussion Papers 11/2020
BOFIT Discussion Papers 11/2020
The microeconomic drivers of medium- and short-term income mobility in Russia over the period 1996–2016 are investigated using data from the Russian Longitudinal Monitoring Survey (RLMS). Focusing on the role of access to ...
Sex, language, and financial inclusion
(01.04.2020)
BOFIT Discussion Papers 9/2020
BOFIT Discussion Papers 9/2020
Reference to gender in language can lead individuals to draw distinctions between genders and reinforce traditional views of gender roles. To test our hypothesis that language gender-marking exerts an influence on the ...
Keeping up with the Novaks? Income distribution as a determinant of household debt in CESEE
(11.02.2020)
BOFIT Discussion Papers 3/2020
BOFIT Discussion Papers 3/2020
This paper constitutes an initial attempt to shed light on the role of income distribution in household debt and financial market access in Central, Eastern and Southeastern Europe (CESEE). Using household-level data from ...
The vanishing interest income of Chinese banks
(05.02.2020)
BOFIT Discussion Papers 2/2020
BOFIT Discussion Papers 2/2020
Chinese banks likely have more non-performing loans (NPLs) than officially reported. As hidden NPLs earn no interest income, loan quality problems may erode the gross interest income of banks. Using stochastic frontier ...