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Loan Officer Incentives, Internal Rating Models, and Default Rates
16 references·8 citing·45 second hop
Loan Officer Incentives, Internal Rating Models, and Default Rates (2019)Loan Officer Incentives, Internal Rating …Information: Hard and Soft (2018)Information: Hard and SoftThe failure of models that predict failure: Distance, incentives, and defaults (2014)The failure of models that pr…Global Retail Lending in the Aftermath of the US Financial Crisis: Distinguishing between Supply and Demand Effects (2012)Global Retail Lending in the …Information and Incentives Inside the Firm: Evidence from Loan Officer Rotation (2010)Information and Incentives In…Global retail lending in the aftermath of the US financial crisis: Distinguishing between supply and demand effects (2010)Global retail lending in the …Did Securitization Lead to Lax Screening? Evidence from Subprime Loans* (2010)Did Securitization Lead to La…Estimating the Effect of Hierarchies on Information Use (2009)Estimating the Effect of Hier…Does function follow organizational form? Evidence from the lending practices of large and small banks (2005)Does function follow organiza…Cookie Cutter vs. Character: The Micro Structure of Small Business Lending by Large and Small Banks (2004)Cookie Cutter vs. Character: …Information Production and Capital Allocation: Decentralized versus Hierarchical Firms (2002)Information Production and Ca…7. Fixed-Effects Negative Binomial Regression Models (2002)7. Fixed-Effects Negative Bin…Econometric Analysis of Cross Section and Panel Data (2001)Econometric Analysis of Cross…Advocates (1999)AdvocatesGood Timing: CEO Stock Option Awards and Company News Announcements (1997)Good Timing: CEO Stock Option…Econometric Models for Count Data with an Application to the Patents-R & D Relationship (1984)Econometric Models for Count …Biases in Dynamic Models with Fixed Effects (1981)Biases in Dynamic Models with…Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis (2023)Piercing through Opacity: Rel…Unconventional monetary policy, funding expectations, and firm decisions (2022)Unconventional monetary polic…The Informational Role of Ownership Networks in Bank Lending (2022)The Informational Role of Own…The Importance of Technology in Banking during a Crisis (2022)The Importance of Technology …The Fairness of Credit Scoring Models (2021)The Fairness of Credit Scorin…Tech in Fin before FinTech: Blessing or Curse for Financial Stability? (2020)Tech in Fin before FinTech: B…Bad Times, Good Credit (2015)Bad Times, Good CreditFinancial Incentives and Loan Officer Behavior: Multitasking and Allocation of Effort Under an Incomplete Contract (2014)Financial Incentives and Loan…The Nature of the Firm (1937)Credit Rationing in Markets with Imperfect Information (1981)The Costs and Benefits of Ownership: A Theory of Vertical and Lateral Integration (1986)Financial Integration and Firm Performance: Evidence from Foreign Bank Entry in Emerging Markets (2007)Fintech: what’s old, what’s new? (2020)Firm climate risk, risk management, and bank loan financing (2022)On the Pooling of Time Series and Cross Section Data (1978)Analysis of Panel Data (2003)Does international research and development increase patent output? An analysis of Japanese pharmaceutical firms (2004)Networks, Propinquity, and Innovation in Knowledge-intensive Industries (2009)Can You Gig It? An Empirical Examination of the Gig Economy and Entrepreneurial Activity (2016)Autoregressive Conditional Heteroscedasticity with Estimates of the Variance of United Kingdom Inflation (1982)Some Tests of Specification for Panel Data: Monte Carlo Evidence and an Application to Employment Equations (1991)Another look at the instrumental variable estimation of error-components models (1995)Estimating Standard Errors in Finance Panel Data Sets: Comparing Approaches (2008)Corporate social responsibility and access to finance (2013)The China Syndrome: Local Labor Market Effects of Import Competition in the United States (2013)Theory of the firm: Managerial behavior, agency costs and ownership structure (1976)Agency Problems and the Theory of the Firm (1980)Performance Pay and Top-Management Incentives (1990)Executive Compensation (1999)Why do corporate managers misstate financial statements? The role of option compensation and other factors (2007)The CEO pay slice (2011)Markets and Hierarchies: Analysis and Antitrust Implications. (1976)Specification Tests in Econometrics (1978)Distance, Lending Relationships, and Competition (2005)A more complete conceptual framework for SME finance (2006)How does capital affect bank performance during financial crises? (2013)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle (1998)The Effects of Banking Mergers on Loan Contracts (2002)Bank Concentration and Competition: An Evolution in the Making (2004)Does Credit Competition Affect Small‐Firm Finance? (2010)Conditional logit analysis of qualitative choice behavior (1972)Aging, Obsolescence, and Organizational Innovation (2000)Simple solutions to the initial conditions problem in dynamic, nonlinear panel data models with unobserved heterogeneity (2005)Competition and Innovation: An Inverted U Relationship (2008)Discretionary disclosure (1983)Firms, Contracts, and Financial Structure (1995)Does Distance Still Matter? The Information Revolution in Small Business Lending (2002)Initial conditions and moment restrictions in dynamic panel data models (1995)Initial conditions and moment restrictions in dynamic panel data models (1998)How to do Xtabond2: An Introduction to Difference and System GMM in Stata (2009)Securitization without risk transfer (2012)Predictably Unequal? The Effects of Machine Learning on Credit Markets (2021)
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References

  • 2001Econometric Analysis of Cross Section and Panel Data27,575 cited
  • 1981Biases in Dynamic Models with Fixed Effects8,724 cited
  • 1984Econometric Models for Count Data with an Application to the Patents-R & D Relationship3,391 cited
  • 2002Information Production and Capital Allocation: Decentralized versus Hierarchical Firms2,426 cited
  • 2005Does function follow organizational form? Evidence from the lending practices of large and small banks1,888 cited
  • 2010Did Securitization Lead to Lax Screening? Evidence from Subprime Loans*1,100 cited
  • 20027. Fixed-Effects Negative Binomial Regression Models1,042 cited
  • 1997Good Timing: CEO Stock Option Awards and Company News Announcements974 cited
  • 2018Information: Hard and Soft787 cited
  • 2004Cookie Cutter vs. Character: The Micro Structure of Small Business Lending by Large and Small Banks697 cited
  • 2010Global retail lending in the aftermath of the US financial crisis: Distinguishing between supply and demand effects524 cited
  • 2014The failure of models that predict failure: Distance, incentives, and defaults497 cited
  • 2009Estimating the Effect of Hierarchies on Information Use494 cited
  • 1999Advocates418 cited
  • 2012Global Retail Lending in the Aftermath of the US Financial Crisis: Distinguishing between Supply and Demand Effects

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320 cited
  • 2010Information and Incentives Inside the Firm: Evidence from Loan Officer Rotation287 cited
  • Cited by

    • 2023Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis50 cited
    • 2015Bad Times, Good Credit41 cited
    • 2014Financial Incentives and Loan Officer Behavior: Multitasking and Allocation of Effort Under an Incomplete Contract32 cited
    • 2020Tech in Fin before FinTech: Blessing or Curse for Financial Stability?29 cited
    • 2021The Fairness of Credit Scoring Models26 cited
    • 2022The Informational Role of Ownership Networks in Bank Lending26 cited
    • 2022The Importance of Technology in Banking during a Crisis23 cited
    • 2022Unconventional monetary policy, funding expectations, and firm decisions19 cited