Essays on banking: Various aspects of the interaction between a firm and its creditor banks

Paola Morales Acevedo

Essays on banking: Various aspects of the interaction between a firm and its creditor banks

Paola Morales Acevedo

Research output: Thesis › Doctoral Thesis

Abstract

This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with multiple loans that, for liquidity constraints or strategic reasons, stop making payments in some but not all their loans. The third one analyses the causal link between the length of the credit bureaus retention time and the subsequent behavior by lenders and borrowers. It exploits a variation in retention times, provided by the introduction of the Habeas Data law in Colombia.

Original language	English
Qualification	Doctor of Philosophy
Awarding Institution	Tilburg University
Supervisors/Advisors	Ongena, S.R.G., Promotor Degryse, Hans, Promotor
Award date	13 Apr 2016
Place of Publication	Tilburg
Publisher	CentER, Center for Economic Research
Print ISBNs	9789056684693
Publication status	Published - 2016

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title = "Essays on banking: Various aspects of the interaction between a firm and its creditor banks",

abstract = "This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with multiple loans that, for liquidity constraints or strategic reasons, stop making payments in some but not all their loans. The third one analyses the causal link between the length of the credit bureaus retention time and the subsequent behavior by lenders and borrowers. It exploits a variation in retention times, provided by the introduction of the Habeas Data law in Colombia.",

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year = "2016",

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N2 - This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with multiple loans that, for liquidity constraints or strategic reasons, stop making payments in some but not all their loans. The third one analyses the causal link between the length of the credit bureaus retention time and the subsequent behavior by lenders and borrowers. It exploits a variation in retention times, provided by the introduction of the Habeas Data law in Colombia.

AB - This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with multiple loans that, for liquidity constraints or strategic reasons, stop making payments in some but not all their loans. The third one analyses the causal link between the length of the credit bureaus retention time and the subsequent behavior by lenders and borrowers. It exploits a variation in retention times, provided by the introduction of the Habeas Data law in Colombia.

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T3 - CentER Dissertation Series

PB - CentER, Center for Economic Research

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