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Trusting banks in China
(05.06.2017)
BOFIT Discussion Papers 9/2017
BOFIT Discussion Papers 9/2017
Trust in banks is essential to financial system effectiveness. This study examines the determinants of trust in banks in China. Using the most recent wave of the World Values Survey, which included information on trust in ...
Does experience of banking crises affect trust in banks?
(25.10.2019)
BOFIT Discussion Papers 21/2019
BOFIT Discussion Papers 21/2019
This paper investigates how past experience with banking crises influences an individual’s trust in banks. We combine data on banking crises for the period 1970–2014 with individual data on trust in banks for 52 countries. ...
Does a financial crisis change a bank's exposure to risk? A difference-in-differences approach
(28.05.2021)
BOFIT Discussion Papers 8/2021
BOFIT Discussion Papers 8/2021
Can a major financial crisis trigger changes in a bank’s risk-taking behavior? Using the 2008 Global Financial Crisis as a quasi-natural experiment and a difference-in-differences approach, I examine whether the worst ...
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 ...
Epidemic exposure, financial technology, and the digital divide
(28.09.2021)
BOFIT Discussion Papers 13/2021
BOFIT Discussion Papers 13/2021
We ask whether epidemic exposure leads to a shift in financial technology usage and who participates in this shift. We exploit a dataset combining Gallup World Polls and Global Findex surveys for some 250,000 individuals ...
Central bank independence and systemic risk
(16.06.2020)
BOFIT Discussion Papers 13/2020
BOFIT Discussion Papers 13/2020
We investigate the relationship of central bank independence and banks’ systemic risk measures. Our results support the case for central bank independence, revealing that central bank independence has a robust, negative, ...
Managerial and financial barriers to the net-zero transition
(17.05.2021)
BOFIT Discussion Papers 6/2021
BOFIT Discussion Papers 6/2021
We use data on 11,233 firms across 22 emerging markets to analyze how credit constraints and low-quality firm management inhibit corporate investment in green technologies. For identification we exploit quasi-exogenous ...
City commercial banks and credit allocation : Firm-level evidence
(09.03.2021)
BOFIT Discussion Papers 4/2021
BOFIT Discussion Papers 4/2021
This paper investigates how government-led banking liberalization affects credit allocation by banks using as a quasi-natural experiment the establishment of city commercial banks (CCBs) in China. Based on more than three ...
Depositor discipline in Russian regions: Flight to familiarity or trust in local authorities?
(19.01.2017)
BOFIT Discussion Papers 1/2017
BOFIT Discussion Papers 1/2017
We analyze whether a depositor’s familiarity with a bank affects depositor behavior during a financial crisis. Familiarity is measured by the presence of regional or local cues in the bank’s name, while depositor behavior ...
Lending without creditor rights, collateral, or reputation : The “trusted assistant” loan in 19th century China
(29.08.2017)
BOFIT Discussion Papers 13/2017
BOFIT Discussion Papers 13/2017
This paper considers lending to finance projects in a setting where repayment enforcement appears impossible. The loan was illegal and thus legally unenforceable. Creditors were incapable of applying private coercion to ...