Martin Brown

University of St. Gallen

Unterer Graben 21

St. Gallen, CH-9000

Switzerland

SCHOLARLY PAPERS

42

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8,573

SSRN CITATIONS
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Top 2,073

in Total Papers Citations

196

CROSSREF CITATIONS

437

Scholarly Papers (42)

1.

Deposit Withdrawals from Distressed Banks: Client Relationships Matter

Journal of Financial Stability, Forthcoming, University of St. Gallen, School of Finance Research Paper No. 2013-19
Number of pages: 82 Posted: 14 Nov 2013 Last Revised: 10 Nov 2019
Martin Brown, Benjamin Guin and Stefan Morkoetter
University of St. Gallen, Bank of England and University of St. Gallen - School of Finance
Downloads 654 (51,601)
Citation 11

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Liquidity Risk, Relationship Banking, Market Discipline

2.

Culture and Financial Literacy

Journal of Economic Behavior and Organization, Forthcoming, University of St.Gallen, School of Finance Research Paper No. 2017/03
Number of pages: 56 Posted: 14 Feb 2017 Last Revised: 30 Mar 2018
Martin Brown, Caroline Henchoz and Thomas Spycher
University of St. Gallen, University of Fribourg and University of St. Gallen - School of Finance
Downloads 580 (60,134)
Citation 4

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Culture, Financial Literacy, Financial Socialisation

Information Sharing and Credit: Firm-Level Evidence from Transition Countries

ECGI - Finance Working Paper No. 201/2008, EFA 2007 Ljubljana Meetings Paper
Number of pages: 43 Posted: 02 Mar 2007 Last Revised: 29 May 2013
Martin Brown, Tullio Jappelli and Marco Pagano
University of St. Gallen, University of Naples Federico II - Department of Economics and Statistics and University of Naples Federico II - Department of Economics and Statistics
Downloads 484 (74,634)
Citation 12

Abstract:

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information sharing, credit access, transition countries

Information Sharing and Credit: Firm-Level Evidence from Transition Countries

Number of pages: 40 Posted: 27 May 2008
Martin Brown, Tullio Jappelli and Marco Pagano
University of St. Gallen, University of Naples Federico II - Department of Economics and Statistics and University of Naples Federico II - Department of Economics and Statistics
Downloads 2 (823,927)
Citation 13
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credit access, information sharing, transition countries

4.

The Convenience of Electronic Payments and Consumer Cash Demand – Causal Evidence from the Staggered Introduction of Contactless Debit Cards

University of St.Gallen, School of Finance Research Paper No. 2020/02
Number of pages: 72 Posted: 24 Apr 2020 Last Revised: 11 Oct 2021
University of St. Gallen, University of St.Gallen, University of St. Gallen and Oesterreichische Nationalbank - Economic Studies Division
Downloads 416 (90,115)
Citation 1

Abstract:

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Financial innovation, cash, money demand, payment choice, pre-analysis plan

5.

Banking Crises, Bail-Ins and Money Holdings

Central Bank of Cyprus Working Paper No. 2017-2
Number of pages: 58 Posted: 24 Jan 2018 Last Revised: 22 Apr 2020
Martin Brown, Ioanna Evangelou and Helmut Stix
University of St. Gallen, Central Bank of Cyprus and Oesterreichische Nationalbank - Economic Studies Division
Downloads 395 (95,658)
Citation 1

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financial crises, bank resolution, bail-in, deposits, cash, money demand

6.
Downloads 392 ( 96,535)
Citation 8

Foreign Currency Borrowing by Small Firms

Number of pages: 72 Posted: 01 Mar 2008 Last Revised: 29 May 2013
University of St. Gallen, University of Zurich - Department of Banking and FinanceNTNU Business School and Swiss National Bank
Downloads 194 (198,530)
Citation 5

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foreign currency borrowing, competition, banking sector, market structure

Foreign Currency Borrowing by Small Firms

Number of pages: 72 Posted: 07 Feb 2009
University of St. Gallen, University of Zurich - Department of Banking and FinanceNTNU Business School and Swiss National Bank
Downloads 109 (316,302)
Citation 6

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foreign currency borrowing, competition, banking sector, market structure

Foreign Currency Borrowing by Small Firms

EFA 2009 Bergen Meetings Paper
Number of pages: 72 Posted: 07 Feb 2009
University of St. Gallen, University of Zurich - Department of Banking and FinanceNTNU Business School and Swiss National Bank
Downloads 88 (364,350)
Citation 1

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foreign currency borrowing, competition, banking sector, market structure.

Foreign Currency Borrowing by Small Firms

Number of pages: 82 Posted: 17 Nov 2009
University of St. Gallen, University of Zurich - Department of Banking and FinanceNTNU Business School and Swiss National Bank
Downloads 1 (837,250)
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banking structure, competition, foreign currency borrowing, market structure

7.

Microfinance Banks and Financial Inclusion

Number of pages: 57 Posted: 01 Mar 2013 Last Revised: 12 Nov 2014
University of St. Gallen, Bank of England and ZEW – Leibniz Centre for European Economic Research
Downloads 347 (110,811)
Citation 9

Abstract:

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Access to finance, Microfinance, Bank-ownership, Mission drift

8.

How Do Banks Screen Innovative Firms? Evidence from Start-Up Panel Data

ZEW - Centre for European Economic Research Discussion Paper No. 12-032
Number of pages: 37 Posted: 24 May 2012
University of St. Gallen, KU Leuven, Department Accounting, Finance and Insurance, ZEW – Leibniz Centre for European Economic Research and Universidad Torcuato Di Tella
Downloads 342 (112,652)
Citation 10

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Innovation, Start-up, Credit information sharing, Soft information

9.

Relational Contracts and the Nature of Market Interactions

Number of pages: 59 Posted: 18 Nov 2003
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen, University of Bonn - Economic Science Area and University of Zurich - Department of Economics
Downloads 326 (118,780)
Citation 39

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relational contracts, implicit contracts, market interaction, involuntary unemployment, repeated transaction, fairness preferences

Contractual Incompleteness and the Nature of Market Interactions

Zurich IEER Working Paper No. 38
Number of pages: 61 Posted: 29 Mar 2002
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen, University of Bonn - Economic Science Area and University of Zurich - Department of Economics
Downloads 302 (128,207)
Citation 15

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Market Interaction, Contract Enforcement, Incomplete Contract, Involuntary Unemployment, Repeated Transaction, Fairness Preferences

Contractual Incompleteness and the Nature of Market Interactions

Number of pages: 60 Posted: 18 Apr 2002
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen, University of Bonn - Economic Science Area and University of Zurich - Department of Economics
Downloads 22 (654,685)
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Market interaction, contract enforcement, incomplete contract, involuntary unemployment, repeated transaction, fairness preferences

Bank Funding, Securitization and Loan Terms: Evidence from Foreign Currency Lending

European Banking Center Discussion Paper No. 2009-21, CentER Discussion Paper Series No. 2009-78
Number of pages: 55 Posted: 07 Oct 2009 Last Revised: 29 May 2013
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of Zurich - Department of Banking and FinanceNTNU Business School
Downloads 298 (130,023)
Citation 9

Abstract:

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foreign currency debt, banking

Foreign Currency Loans - Demand or Supply Driven?

Number of pages: 50 Posted: 16 Aug 2010
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of Zurich - Department of Banking and FinanceNTNU Business School
Downloads 3 (813,202)
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banking, foreign currency debt

12.

Banking Sector Reform and Interest Rates in Transition Economies: Bank-Level Evidence from Kyrgyzstan

Number of pages: 33 Posted: 08 Mar 2007 Last Revised: 29 May 2013
University of St. Gallen, Swiss National Bank, National Bank of Kyrgyz Republic and National Bank of Kyrgyz Republic - Ministry of Finance
Downloads 256 (152,739)
Citation 5

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Transition, Financial Sector Development, Interest Rates

13.
Downloads 251 (155,809)
Citation 6

The Emergence of Information Sharing in Credit Markets

University of Zurich, IEER Working Paper No. 317
Number of pages: 48 Posted: 09 Aug 2006 Last Revised: 29 May 2013
Martin Brown and Christian Zehnder
University of St. Gallen and University of Lausanne
Downloads 139 (263,931)
Citation 5

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Credit Market, Information Sharing, Experiment

The Emergence of Information Sharing in Credit Markets

Number of pages: 46 Posted: 15 Jan 2009
Martin Brown and Christian Zehnder
University of St. Gallen and University of Lausanne
Downloads 112 (310,219)
Citation 1

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Information Sharing, Credit Market, Competition, Adverse Selection, Experiment

14.

Credit Booms and Busts in Emerging Markets: The Role of Bank Governance and Risk Management

University of St. Gallen, School of Finance Research Paper No. 2014/14, 28th Australasian Finance and Banking Conference
Number of pages: 42 Posted: 19 Jan 2015 Last Revised: 12 Feb 2017
Alin Marius Andries and Martin Brown
Alexandru Ioan Cuza University of Iasi and University of St. Gallen
Downloads 245 (159,501)
Citation 2

Abstract:

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Credit boom and busts, corporate governance, risk management

15.

Debt Overhang in Emerging Europe?

World Bank Policy Research Working Paper No. 5784
Number of pages: 54 Posted: 20 Apr 2016
Martin Brown and Philip R. Lane
University of St. Gallen and Trinity College (Dublin) - Department of Economics
Downloads 242 (161,427)

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Debt Markets, Access to Finance, Bankruptcy and Resolution of Financial Distress, Banks & Banking Reform, Emerging Markets

16.

Which Households Use Banks? Evidence From the Transition Economies

ECB Working Paper No. 1295
Number of pages: 41 Posted: 05 Mar 2011
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen
Downloads 209 (185,578)

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Access to finance, Bank-ownership, Deposit insurance, Payment system, Creditor protection

17.

Internal Control and Strategic Communication within Firms – Evidence from Bank Lending

University of St.Gallen, School of Finance Research Paper No. 2015/04
Number of pages: 48 Posted: 07 Mar 2015 Last Revised: 08 Sep 2015
University of St. Gallen, Risk Solution Network AG, University of St. Gallen (HSG), School of Finance and Risk Solution Network AG
Downloads 194 (198,597)

Abstract:

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Internal Control, Authority, Information, Small Business Lending

18.

Can a Transaction Tax or Capital Gains Tax Smooth House Prices?

Number of pages: 41 Posted: 08 Mar 2011 Last Revised: 29 May 2013
Nicole Aregger, Martin Brown and Enzo Rossi
University of Bern - Department of Economics, University of St. Gallen and Swiss National Bank
Downloads 187 (205,299)

Abstract:

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House prices, Transaction tax, Capital gains tax, Macroprudential policy

19.

Social Norms and Strategic Default

University of St. Gallen, School of Finance Research Paper No. 2016/08
Number of pages: 51 Posted: 08 Mar 2016 Last Revised: 30 Jun 2017
Martin Brown, Jan Schmitz and Christian Zehnder
University of St. Gallen, Radboud University Nijmegen - Department of Economics and University of Lausanne
Downloads 164 (229,830)
Citation 2

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Strategic Default, Moral Constraints, Social Norms

Numeracy and the Quality of On-the-Job Decisions: Evidence from Loan Officers

Forthcoming in Economic Inquiry, University of St. Gallen, School of Finance Research Paper No. 2017/11
Number of pages: 67 Posted: 13 Jul 2017 Last Revised: 13 Nov 2019
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of St. Gallen - School of Finance
Downloads 123 (289,932)
Citation 5

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Behavioral Banking, Numeracy, Loan Officers, Screening

Numeracy and the Quality of On-the-Job Decisions: Evidence from Loan Officers

ZEW - Centre for European Economic Research Discussion Paper No. 17-026, University of St.Gallen, School of Finance Research Paper No. 2017/11
Number of pages: 66 Posted: 28 Jul 2017 Last Revised: 25 Sep 2017
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of St. Gallen - School of Finance
Downloads 40 (540,635)
Citation 1

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Behavioral Banking, Numeracy, Loan Officers, Screening

21.

Contagious Bank Runs: Experimental Evidence

De Nederlandsche Bank Working Paper No. 363, University of St.Gallen, School of Finance Research Paper No. 2012/7
Number of pages: 30 Posted: 04 Jan 2013 Last Revised: 26 Jul 2013
Martin Brown, Stefan T. Trautmann and Razvan Vlahu
University of St. Gallen, Heidelberg University - Alfred Weber Institute for Economics and De Nederlandsche Bank
Downloads 161 (233,425)
Citation 7

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contagion, bank runs, systemic risk

22.

The Euroization of Bank Deposits in Eastern Europe

University of St. Gallen, School of Finance Research Paper No. 2014/12
Number of pages: 49 Posted: 19 Jan 2015
Martin Brown and Helmut Stix
University of St. Gallen and Oesterreichische Nationalbank - Economic Studies Division
Downloads 158 (237,223)
Citation 5

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23.

Foreign Currency Lending in Emerging Europe: Bank Level Evidence

European Banking Center Discussion Paper No. 2010-31, CentER Discussion Paper Series No. 2010-135
Number of pages: 46 Posted: 17 Jan 2011 Last Revised: 29 May 2013
Martin Brown and Ralph De Haas
University of St. Gallen and European Bank for Reconstruction and Development
Downloads 157 (238,488)
Citation 8

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Foreign currency lending, currency mismatch, foreign banks, financial stability

24.
Downloads 157 (238,488)
Citation 5

Foreign Bank Ownership and Household Credit

European Banking Center Discussion Paper No. 2011-024, CentER Discussion Paper Series No. 2011-089
Number of pages: 37 Posted: 31 Aug 2010 Last Revised: 29 May 2013
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen
Downloads 156 (240,197)
Citation 6

Abstract:

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Access to finance, Household credit, Bank-ownership

Use of Banking Services in Emerging Markets - Household-Level Evidence

Number of pages: 50 Posted: 20 Jul 2011
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen
Downloads 1 (837,250)
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access to finance, bank ownership, creditor protection, deposit insurance, household finance

25.

Borrowing Constraints, Home Ownership and Housing Choice: Evidence from Intra-Family Wealth Transfers

forthcoming: Journal of Money, Credit and Banking
Number of pages: 70 Posted: 15 Sep 2016 Last Revised: 21 Aug 2018
Kristian Blickle and Martin Brown
Federal Reserve Banks - Federal Reserve Bank of New York and University of St. Gallen
Downloads 152 (244,866)
Citation 2

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Liquidity Constraints, Tenure Choice, Wealth Transfers, Macroprudential Policy

26.

Regional Inflation, Financial Integration and Dollarization

Forthcoming, Review of Finance
Number of pages: 63 Posted: 10 Dec 2013 Last Revised: 01 Apr 2017
Martin Brown, Ralph De Haas and Vladimir Sokolov
University of St. Gallen, European Bank for Reconstruction and Development and National Research University Higher School of Economics
Downloads 144 (255,878)
Citation 7

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Financial dollarization, financial integration, regional inflation

27.

Credit Reporting, Relationship Banking, and Loan Repayment

Swiss National Bank Working Paper No. 2006-03
Number of pages: 41 Posted: 08 Mar 2007
Martin Brown and Christian Zehnder
University of St. Gallen and University of Lausanne
Downloads 142 (258,740)
Citation 27

Abstract:

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credit market, information sharing, relationship banking

28.

Understanding Bank-Run Contagion

ECB Working Paper No. 1711
Number of pages: 34 Posted: 12 Aug 2014
Martin Brown, Stefan T. Trautmann and Razvan Vlahu
University of St. Gallen, Heidelberg University - Alfred Weber Institute for Economics and De Nederlandsche Bank
Downloads 127 (281,882)
Citation 9

Abstract:

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contagion, bank runs, systemic risk

29.

Information or Insurance? On the Role of Loan Officer Discretion in Credit Assessment

Number of pages: 50 Posted: 04 Jun 2012 Last Revised: 29 May 2013
University of St. Gallen, University of St. Gallen (HSG), School of Finance, Risk Solution Network AG and Risk Solution Network AG
Downloads 123 (288,669)
Citation 14

Abstract:

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Relationship banking, Asymmetric information, Implicit contracts, Credit rating

30.
Downloads 123 (288,669)
Citation 1

The Threat of Exclusion and Implicit Contracting

European Banking Center Discussion Paper No. 2010-18, CentER Discussion Paper Series No. 2010-85, University of St.Gallen, School of Finance Research Paper No. 2014/07
Number of pages: 87 Posted: 27 Aug 2010 Last Revised: 02 Sep 2016
Martin Brown and Marta Serra-Garcia
University of St. Gallen and University of California, San Diego (UCSD) - Rady School of Management
Downloads 105 (324,679)

Abstract:

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Microeconomic Behavior, Economics: Behavior and Behavioral

The Threat of Exclusion and Implicit Contracting

Number of pages: 87 Posted: 09 Nov 2016
Martin Brown and Marta Serra-Garcia
University of St. Gallen and University of California, San Diego (UCSD) - Rady School of Management
Downloads 18 (685,999)

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economics, microeconomic behavior, behavior and behavioral decision making, finance, corporate finance, implicit contracting

On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity

Number of pages: 33 Posted: 27 Aug 2008
Ernst Fehr, Martin Brown and Christian Zehnder
University of Zurich - Department of Economics, University of St. Gallen and University of Lausanne
Downloads 67 (427,316)
Citation 3

Abstract:

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wage rigidity, price rigidity, relational contracts, reciprocity, reputation

On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity

Number of pages: 32 Posted: 28 Aug 2008
Ernst Fehr, Martin Brown and Christian Zehnder
University of Zurich - Department of Economics, University of St. Gallen and University of Lausanne
Downloads 54 (475,973)
Citation 2

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Reputation, Reciprocity, Relational Contracts, Price Rigidity, Wage Rigidity

32.

Information Asymmetry and Foreign Currency Borrowing by Small Firms

European Banking Center Discussion Paper No. 2011-026, CentER Working Paper Series No. 2011-099
Number of pages: 22 Posted: 05 Sep 2011 Last Revised: 29 May 2013
University of Zurich - Department of Banking and FinanceNTNU Business School, Swiss National Bank and University of St. Gallen
Downloads 96 (342,003)
Citation 3

Abstract:

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foreign currency borrowing, competition, banking sector, market structure

33.

Communication, Credit Provision and Loan Repayment: Evidence from a Person-to-Person Lending Experiment

University of St.Gallen, School of Finance Research Paper No. 2018/19
Number of pages: 108 Posted: 06 Sep 2018 Last Revised: 08 Sep 2020
Martin Brown, Jan Schmitz and Christian Zehnder
University of St. Gallen, Radboud University Nijmegen - Department of Economics and University of Lausanne
Downloads 84 (371,721)

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Strategic Default, Communication, Trust Game

34.

Mortgage Relationships

University of St. Gallen, School of Finance Research Paper No. 2013/10
Number of pages: 23 Posted: 14 Nov 2013
Martin Brown and Matthias Hoffmann
University of St. Gallen and Independent
Downloads 81 (379,798)
Citation 5

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Mortgage loans, Household finance, Relationship banking

35.

The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data

University of St.Gallen, School of Finance Research Paper No. 2015/9
Number of pages: 40 Posted: 21 May 2015
Martin Brown and Benjamin Guin
University of St. Gallen and Bank of England
Downloads 76 (393,941)
Citation 2

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Mortgage Default, Mortgage Choice, Household Finance, Mortgage Risk

36.

Who Needs Credit and Who Gets Credit in Eastern Europe?

ECB Working Paper No. 1421
Number of pages: 52 Posted: 06 Feb 2012
University of Zurich - Department of Banking and FinanceNTNU Business School, European Central Bank (ECB), Swiss National Bank and University of St. Gallen
Downloads 63 (435,582)

Abstract:

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credit constraints, banking sector, transition economies

37.

Competition and Relational Contracts: The Role of Unemployment as a Disciplinary Device

Number of pages: 56 Posted: 23 May 2008
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen, University of Bonn - Economic Science Area and University of Zurich - Department of Economics
Downloads 63 (435,582)
Citation 5

Abstract:

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relational contracts, involuntary unemployment

38.

The Transmission of Banking Crises to Households: Lessons from the 2008-2011 Crises in the Eca Region

World Bank Policy Research Working Paper No. 6528
Number of pages: 35 Posted: 20 Apr 2016
Martin Brown
University of St. Gallen
Downloads 49 (488,704)
Citation 1

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Access to Finance, Debt Markets, Emerging Markets, Economic Theory & Research, Banks & Banking Reform

39.

Internet Appendix to 'Numeracy and the Quality of On-the-Job Decisions: Evidence from Loan Officers'

Number of pages: 11 Posted: 11 Jul 2017 Last Revised: 14 Jul 2017
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of St. Gallen - School of Finance
Downloads 22 (634,677)

Abstract:

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Behavioral Banking, Numeracy, Loan Officers, Screening

40.

Numeracy and On‐The‐Job Performance: Evidence from Loan Officers

Economic Inquiry, Vol. 58, Issue 2, pp. 998-1022, 2020
Number of pages: 25 Posted: 14 May 2020
University of St. Gallen, ZEW – Leibniz Centre for European Economic Research and University of St. Gallen - School of Finance
Downloads 0 (818,024)
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41.

Credit Booms and Busts in Emerging Markets

Economics of Transition, Vol. 25, Issue 3, pp. 377-437, 2017
Number of pages: 61 Posted: 03 Jun 2017
Alin Marius Andries and Martin Brown
Alexandru Ioan Cuza University of Iasi and University of St. Gallen
Downloads 0 (818,024)
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Credit boom‐bust cycles, corporate governance, risk management

42.

Who Needs Credit and Who Gets Credit in Eastern Europe?

European Banking Center Discussion Paper No. 2010-14, CentER Discussion Paper Series No. 2010-50
Posted: 25 May 2010
University of St. Gallen, University of Zurich - Department of Banking and FinanceNTNU Business School, European Central Bank (ECB) and Swiss National Bank

Abstract:

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Credit Constraints, Banking Sector, Transition Economies