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1. |
Record Nr. |
UNINA9910969259303321 |
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Autore |
Dell'Ariccia Giovanni |
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Titolo |
Credit Booms and Lending Standards : : Evidence From the Subprime Mortgage Market / / Giovanni Dell'Ariccia, Luc Laeven, Deniz Igan |
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Pubbl/distr/stampa |
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Washington, D.C. : , : International Monetary Fund, , 2008 |
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ISBN |
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9786612840616 |
9781462305353 |
1462305350 |
9781452799537 |
1452799539 |
9781451869675 |
1451869673 |
9781282840614 |
1282840614 |
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Edizione |
[1st ed.] |
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Descrizione fisica |
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1 online resource (39 p.) |
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Collana |
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IMF Working Papers |
IMF working paper ; ; WP/08/106 |
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Altri autori (Persone) |
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Disciplina |
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Soggetti |
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Credit - United States |
Credit - United States - Econometric models |
Moral hazard - United States - Econometric models |
Banks |
Credit booms |
Credit |
Depository Institutions |
Finance |
Financial institutions |
Housing prices |
Housing Supply and Markets |
Housing |
Income |
Industries: Financial Services |
Loans |
Macroeconomics |
Micro Finance Institutions |
Monetary economics |
Monetary Policy, Central Banking, and the Supply of Money and Credit: General |
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Money and Monetary Policy |
Money Multipliers |
Money Supply |
Money |
Mortgages |
National accounts |
Personal income |
Personal Income, Wealth, and Their Distributions |
Prices |
Property & real estate |
Real Estate |
United States |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Monografia |
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Note generali |
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Description based upon print version of record. |
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Nota di bibliografia |
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Includes bibliographical references. |
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Nota di contenuto |
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Contents; I. Introduction; II. Related Literature; III. Data and Descriptive Statistics; IV. Empirical Methodology; V. Empirical Findings; A. Effects of Changes in the Pool of Applicant Borrowers; B. Identification and Robustness Issues; C. Sensitivity Analysis: Time and Size Effects; D. Effects of Entry and Changes in Market Structure; E. Alternative Proxies for Lending Standards; F. Effects of Loan Sales; VI. Discussion and Conclusions; References; Tables; 1. Coverage in HMDA; 2. Definitions and Sources of Variables; 3. Summary Statistics; 4. Evolution of Denial Rates |
5. Determinants of Denial Decision6. Prediction Errors; 7. Robustness; 8. Time and Size Effects; 9. Market and Boom Size; 10. Market Entry and Denial Rates of Incumbents in Prime and Subprime Markets; 11. Alternative Measures of Lending Standards; 12. Securitization, Lending Standards, and Mortgage Market Expansion; Figures; 1. House Prices and Credit Booms; 2. Subprime Mortgage Boom Across the Nation; 3. House Prices and Credit Boom; 4. Lending Standards and Subprime Credit Boom |
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Sommario/riassunto |
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This paper links the current sub-prime mortgage crisis to a decline in lending standards associated with the rapid expansion of this market. We show that lending standards declined more in areas that experienced larger credit booms and house price increases. We also find that the underlying market structure mattered, with entry of new, large lenders triggering declines in lending standards by incumbent banks. Finally, lending standards declined more in areas with higher mortgage securitization rates. The results are consistent with theoretical predictions from recent financial accelerator models based on asymmetric information, and shed light on the relationship between credit booms and financial instability. |
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2. |
Record Nr. |
UNINA9910955849703321 |
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Autore |
Dietrich Rainer |
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Titolo |
The acquisition of temporality in a second language / / Rainer Dietrich, Wolfgang Klein, Colette Noyau, in cooperation with Josée Coenen ... [et al.] |
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Pubbl/distr/stampa |
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Amsterdam ; ; Philadelphia, : J. Benjamins, c1995 |
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ISBN |
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90-272-8279-X |
9786613222169 |
1-283-22216-7 |
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Edizione |
[1st ed.] |
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Descrizione fisica |
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1 online resource (300 p.) |
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Collana |
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Studies in bilingualism (SiBil), , 0928-1533 ; ; v. 7 |
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Altri autori (Persone) |
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KleinWolfgang <1946 February 3-> |
NoyauColette |
CoenenJosée |
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Disciplina |
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Soggetti |
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Second language acquisition |
Grammar, Comparative and general - Temporal constructions |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Monografia |
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Note generali |
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Description based upon print version of record. |
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Nota di bibliografia |
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Includes bibliographical references and indexes. |
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Nota di contenuto |
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THE ACQUISITION OF TEMPORALITY IN A SECOND LANGUAGE; Editorial page; Title page; Copyright page; Table of contents; Preface; Acknowledgement; 1. Introduction; 2. Frame of analysis; 3. The acquisition of English; 4. The acquisition of German; 5. The acquisition of Dutch; 6. The acquisition of French; 7. The acquisition of Swedish; 8. Conclusions; Author index; Subject index |
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Sommario/riassunto |
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This is the second volume of the SiBil series to present results from the European Science Foundation's project 'Second language acquisition by adult immigrants'. It deals specifically with the acquisition of temporality in five European languages: Dutch, English, French, German and Swedish, providing a detailed account of how adult learners who have little or no exposure to classroom teaching, express temporality at any given stage of the acquisition process, how they proceed from one stage to the next, and what factors determine both their progress and their final levels of proficiency. The |
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