Santiago Carbo-Valverde

University of Granada

C/Rector López Argueta S/N

Granada, Granada 18071

Spain

SCHOLARLY PAPERS

34

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8,888

SSRN CITATIONS
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Top 7,293

in Total Papers Citations

82

CROSSREF CITATIONS

99

Scholarly Papers (34)

1.

The Economics of Credit Cards, Debit Cards and Atms: A Survey and Some New Evidence

Journal of Banking & Finance, Vol. 32, No. 8, pp. 1468-1483, August 2008, University of Alberta School of Business Research Paper No. 2013-1147
Number of pages: 36 Posted: 07 May 2006 Last Revised: 25 Jul 2013
University of Alberta - Department of Marketing, Business Economics & Law, Melbourne Business School, University of Melbourne, New York University - Leonard N. Stern School of Business, University of Granada and University of Granada - Department of Economic Theory and History
Downloads 1,527 (15,397)
Citation 11

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Credit Cards, debit cards, point of sale, POS, ATMs, Retail payment system

2.

Bank Market Power and SME Financing Constraints

EFA 2006 Zurich Meetings
Number of pages: 62 Posted: 20 Jun 2006
Santiago Carbo-Valverde, Gregory F. Udell and Francisco Rodriguez-Fernandez
University of Granada, Indiana University - Kelley School of Business - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 1,127 (24,326)
Citation 20

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Bank market power, SME financing

3.

Bank Lending, Financing Constraints and SME Investment

21st Australasian Finance and Banking Conference 2008 Paper
Number of pages: 41 Posted: 10 Sep 2008 Last Revised: 14 May 2014
Francisco Rodriguez-Fernandez, Gregory F. Udell and Santiago Carbo-Valverde
University of Granada - Department of Economic Theory and History, Indiana University - Kelley School of Business - Department of Finance and University of Granada
Downloads 720 (45,500)
Citation 4

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SMEs, financing constraints, bank lending, trade credit, predictability

Are Covered Bonds a Substitute for Mortgage-Backed Securities?

26th Australasian Finance and Banking Conference 2013
Number of pages: 42 Posted: 08 Aug 2013
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Richard J. Rosen
University of Granada, University of Granada - Department of Economic Theory and History and Federal Reserve Bank of Chicago - Economic Research
Downloads 331 (116,286)
Citation 4

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Are Covered Bonds a Substitute for Mortgage-Backed Securities?

Number of pages: 41 Posted: 08 Dec 2011 Last Revised: 15 Mar 2012
Santiago Carbo-Valverde, Richard J. Rosen and Francisco Rodriguez-Fernandez
University of Granada, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 253 (154,228)
Citation 3

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Covered bonds, mortgage-backed securities

5.

Trade Credit, the Financial Crisis, and SME Access to Finance

26th Australasian Finance and Banking Conference 2013
Number of pages: 43 Posted: 08 Aug 2013
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Gregory F. Udell
University of Granada, University of Granada - Department of Economic Theory and History and Indiana University - Kelley School of Business - Department of Finance
Downloads 562 (62,708)
Citation 24

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SMEs, financing constraints, bank lending, trade credit, predictability

6.

Investigating Diversity in the Banking Sector in Europe: The Performance and Role of Savings Banks

CEPS Paperbacks
Number of pages: 214 Posted: 03 Jul 2009
HEC MontrealHEC Montreal, Goethe University Frankfurt - Chair of Banking and Finance, University of Granada, Centre for European Policy Studies (CEPS) and University of Granada - Department of Economic Theory and History
Downloads 520 (69,120)
Citation 69

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banking regulation, supervision

Lending Relationships and Credit Rationing: The Impact of Securitization

24th Australasian Finance and Banking Conference 2011 Paper
Number of pages: 30 Posted: 16 Aug 2011
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 184 (208,531)
Citation 1

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 38 Posted: 14 Sep 2012 Last Revised: 22 Jan 2013
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 111 (312,597)
Citation 3

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

Number of pages: 39 Posted: 20 Oct 2012
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez Fernandez
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada
Downloads 62 (445,659)
Citation 1

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

Number of pages: 41 Posted: 28 Sep 2012
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 2 (824,527)
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financial crisis, lending relationships, securitization

8.

ATMs vs. POS Terminals: A Horse Race?

21st Australasian Finance and Banking Conference 2008 Paper
Number of pages: 23 Posted: 10 Sep 2008 Last Revised: 26 Aug 2012
Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez
University of Granada and University of Granada - Department of Economic Theory and History
Downloads 289 (135,182)

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Technology diffusion, payment instruments, banks, ATMs, POS.

9.

Trust in Banks: Evidence from the Spanish Financial Crisis

26th Australasian Finance and Banking Conference 2013
Number of pages: 39 Posted: 15 Aug 2013
Santiago Carbo-Valverde, Eduardo Maqui Lopez and Francisco Rodriguez-Fernandez
University of Granada, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 287 (136,155)
Citation 12

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Financial Crisis, Trust in Banks, Financial Services, Distrust

Regulating Two-Sided Markets: An Empirical Investigation

Number of pages: 57 Posted: 24 Nov 2009 Last Revised: 22 Apr 2010
University of Granada, IndependentChakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 176 (216,819)
Citation 5

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Payment Choice, Merchant Adoption

Regulating Two-Sided Markets: An Empirical Investigation

ECB Working Paper No. 1137
Number of pages: 51 Posted: 17 Jan 2010
University of Granada, IndependentChakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 106 (322,951)

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consumer payment choice, merchant payment adoption, network competition

11.

Securitization, Bank Lending and Credit Quality: The Case of Spain

ECB Working Paper No. 1329
Number of pages: 44 Posted: 25 Apr 2011
University of Granada, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 244 (160,396)

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securitization, lending, risk, financial instability

12.

The Impact of Lending Relationships on the Choice and Structure of Bond Underwriting Syndicates

Number of pages: 52 Posted: 31 Mar 2017 Last Revised: 02 Aug 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 215 (180,961)

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underwriters, banks, syndicate, bond, multiple underwritten

Safety-Net Benefits Conferred on Difficult-to-Fail-and-Unwind Banks in the US and EU Before and During the Great Recession

Number of pages: 44 Posted: 29 Jan 2011 Last Revised: 16 Aug 2011
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 137 (267,490)
Citation 4

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financial safety net, too big to fail, financial crisis, financial subsidies,regulatory arbitrage

Safety-Net Benefits Conferred on Difficult-to-Fail-And-Unwind Banks in the US and EU Before and During the Great Recession

Paolo Baffi Centre Research Paper No. 2011-95
Number of pages: 43 Posted: 12 Jul 2011
Edward J. Kane, Santiago Carbo-Valverde and Francisco Rodriguez Fernandez
Boston College - Department of Finance, University of Granada and University of Granada
Downloads 59 (456,892)
Citation 3

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safety net, too big to fail policy, difficult-to-fail banks, financial crisis

Safety-Net Benefits Conferred on Difficult-to-Fail-And-Unwind Banks in the Us and EU Before and During the Great Recession

Number of pages: 35 Posted: 14 Feb 2011 Last Revised: 16 May 2021
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 19 (678,836)

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14.

The Relationship between Mortgage Markets and House Prices: Does Financial Instability Make the Difference?

Federal Reserve Bank of Atlanta CenFIS Working Paper 10-02
Number of pages: 25 Posted: 06 Feb 2010
Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez
University of Granada and University of Granada - Department of Economic Theory and History
Downloads 197 (196,203)
Citation 1

Abstract:

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house prices, mortgages, banks

15.

How Do Bank Customers Go Digital? A Machine Learning Approach

Number of pages: 43 Posted: 19 Jun 2018 Last Revised: 04 Oct 2018
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 194 (198,871)
Citation 1

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technology adoption, banks, machine learning

16.

Payment Card Interchange Fees: Assessing the Effectiveness of Antitrust Investigations and Regulation in Europe

Number of pages: 39 Posted: 06 May 2012
Santiago Carbo-Valverde and José Manuel Liñares-Zegarra
University of Granada and University of Essex - Essex Business School
Downloads 187 (205,558)

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payment cards, interchange fees, adoption, usage, merchant, cardholders

17.

Intermediation Below Zero: Effects of Negative Interest Rates on Banks' Performance and Lending

Number of pages: 61 Posted: 19 Dec 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 150 (247,946)
Citation 1

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Negative Interest Rates, Intermediation, Lending, Central Banks, Banks

18.

Regulatory Arbitrage in Cross-Border Banking Mergers within the EU

Number of pages: 35 Posted: 04 Jun 2010 Last Revised: 13 Jun 2010
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Edward J. Kane
University of Granada, University of Granada - Department of Economic Theory and History and Boston College - Department of Finance
Downloads 138 (265,021)
Citation 7

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bank mergers, safety-net subsidies, cross-border banking

19.

Underwriting as Certification of Bank Bonds

Number of pages: 48 Posted: 27 Sep 2015 Last Revised: 10 Dec 2016
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Anthony Saunders
University of Granada, University of Granada - Department of Economic Theory and History and New York University - Leonard N. Stern School of Business
Downloads 125 (285,692)
Citation 1

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banks, underwriter, bond, debt certification

20.

Securitization, Risk Transferring and Financial Instability: The Case of Spain

Number of pages: 37 Posted: 16 Aug 2011
University of Granada, European Central Bank (ECB) and University of Granada
Downloads 125 (285,692)
Citation 5

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securitization, lending, risk, financial instability

21.

Non-Pricing Drivers of Underwriters’ Market Shares in Corporate Bond Markets

Number of pages: 34 Posted: 01 Feb 2018 Last Revised: 07 Sep 2021
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 111 (310,889)

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underwriters, market shares, bond, lending

22.

Do Bank Bailouts Have an Impact on the Underwriting Business?

Number of pages: 47 Posted: 12 Oct 2018 Last Revised: 02 Aug 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 105 (323,003)
Citation 1

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Underwriters, Bailout, Reputation, Recapitalization

23.

Are Covered Bonds a Substitute for Mortgaged-Back Securities?

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 41 Posted: 14 Sep 2012
Santiago Carbo-Valverde, Richard J. Rosen and Francisco Rodriguez-Fernandez
University of Granada, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 95 (344,694)
Citation 1

Abstract:

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Covered bonds, MBS, issuance, banks

24.

Monetary Policy, Implicit Interest Rate, and Relative Net Trade Credit

Number of pages: 41 Posted: 11 Aug 2013
University of Granada, Public University of Navarre and University of Granada
Downloads 92 (351,783)

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implicit interest rate, monetary policy, relative net trade credit, trade credit

25.

How Effective are Rewards Programs in Promoting Payment Card Usage? Empirical Evidence

ECB Working Paper No. 1141
Number of pages: 40 Posted: 17 Jan 2010
Santiago Carbo-Valverde and José Manuel Liñares-Zegarra
University of Granada and University of Essex - Essex Business School
Downloads 78 (388,658)
Citation 2

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payment cards, rewards, preferences, merchants, cardholders

Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates

Number of pages: 47 Posted: 05 May 2015 Last Revised: 29 Mar 2016
Santiago Carbo-Valverde, Sergio Mayordomo and Francisco Rodriguez-Fernandez
University of Granada, Banco de España and University of Granada - Department of Economic Theory and History
Downloads 72 (411,194)

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mortgages, financial constraints, credit risk

Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates

Journal of Real Estate Finance and Economics, Vol. 56, No. 1, 2018
Posted: 08 Feb 2018
Santiago Carbo-Valverde, Sergio Mayordomo and Francisco Rodriguez-Fernandez
University of Granada, Banco de España and University of Granada - Department of Economic Theory and History

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Households; Mortgages; Financial Constraints; Credit Risk

27.

The Effects of Bank Market Power in Short-Term and Long-Term Firm Credit Availability and Investment

Revista Española de Financiación y Contabilidad, Forthcoming
Number of pages: 42 Posted: 27 Sep 2016
University of Granada, Public University of Navarre and University of Granada
Downloads 70 (412,674)

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Bank loans, bank market power, Euler equation, firm investment rate, risk premium

28.

Do Domestic M&As Impact Bank Risk Profiles? The Case of Spanish Banks

Number of pages: 34 Posted: 31 Aug 2013
Santiago Carbo-Valverde, Jens Hagendorff and Maria Nieto
University of Granada, King's College London - King's Business School and Banco de España
Downloads 57 (457,808)
Citation 1

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banks, mergers, Spain

29.

Financial Reputation, Market Interventions and Debt Issuance by Banks: A Truncated Two-Part Model Approach

ECB Working Paper No. 1741
Number of pages: 37 Posted: 19 Nov 2014
Gonzalo Camba-Mendez, Santiago Carbo-Valverde and Diego Rodriguez-Palenzuela
European Central Bank (ECB), University of Granada and European Central Bank (ECB)
Downloads 43 (515,818)
Citation 1

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bank debt issuance, collateral, crisis, monetary policy

30.

Evidence of Regulatory Arbitrage in Cross-Border Mergers of Banks in the EU

Number of pages: 32 Posted: 03 Nov 2009 Last Revised: 17 Sep 2021
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 32 (571,710)
Citation 1

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31.

Cournot Competition in a Two-Dimensional Circular City

Number of pages: 10 Posted: 07 Jan 2005
Universidad de Granada, University of Granada and Universidad de Granada
Downloads 30 (583,089)
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32.

Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries

Number of pages: 46 Posted: 08 Feb 2008 Last Revised: 28 Feb 2021
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 26 (607,938)
Citation 2

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33.

The Impact of M&As on Bank Risk in Spain (1986-2007)

Revista de Estabilidad Financiera, Número 25, Noviembre de 2013
Number of pages: 13 Posted: 25 Aug 2017
Santiago Carbo-Valverde, Jens Hagendorff and Maria Nieto
University of Granada, King's College London - King's Business School and Banco de España
Downloads 19 (656,722)

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Banks; Mergers; Spain

34.

Underwriting as Certification of Bank Bonds (Appendix)

Number of pages: 7 Posted: 12 Dec 2016
Santiago Carbo-Valverde, Anthony Saunders and Francisco Rodriguez Fernandez
University of Granada, New York University - Leonard N. Stern School of Business and University of Granada
Downloads 11 (717,204)
Citation 1

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