[图书][B] Financial innovation and borrowers: Evidence from peer-to-peer lending
T Balyuk - 2016 - fdic.gov
The impact of technology-enabled (FinTech) lenders on bank credit is theoretically
ambiguous. Banks can reduce credit if borrowing from FinTech lenders increases default …
ambiguous. Banks can reduce credit if borrowing from FinTech lenders increases default …
How do payday loans affect borrowers? Evidence from the UK market
J Gathergood, B Guttman-Kenney… - The Review of Financial …, 2019 - academic.oup.com
Payday loans are controversial high-cost, short-term lending products, banned in many US
states. But debates surrounding their benefits to consumers continue. We analyze the effects …
states. But debates surrounding their benefits to consumers continue. We analyze the effects …
Real effects of search frictions in consumer credit markets
We show that search frictions in credit markets affect accepted interest rates and loan sizes
and distort consumption. Using data on car loan applications and originations not …
and distort consumption. Using data on car loan applications and originations not …
Assessing human information processing in lending decisions: A machine learning approach
M Liu - Journal of Accounting Research, 2022 - Wiley Online Library
Effective financial reporting requires efficient information processing. This paper studies
factors that determine efficient information processing. I exploit a unique small business …
factors that determine efficient information processing. I exploit a unique small business …
FinTech lending and bank credit access for consumers
T Balyuk - Management Science, 2023 - pubsonline.informs.org
Using a unique setting of an online peer-to-peer lender, I show that banks expand credit
access for consumers who obtain FinTech loans. Consistent with FinTech relieving …
access for consumers who obtain FinTech loans. Consistent with FinTech relieving …
A national examination on payday loan use and financial well-being: a propensity score matching approach
Z Chen, T Friedline, CM Lemieux - Journal of Family and Economic Issues, 2022 - Springer
Payday loans are one of the most controversial alternative financial services due to their
staggeringly high interest rates and the potential for users to become heavily indebted …
staggeringly high interest rates and the potential for users to become heavily indebted …
The sword of damocles: Debt and depression
This paper investigates the heterogeneous effects of formal and informal debt on mental
health. We use unique data on Chinese households between 2014 and 2018 to examine …
health. We use unique data on Chinese households between 2014 and 2018 to examine …
A new hybrid credit scoring ensemble model with feature enhancement and soft voting weight optimization
D Yang, B Xiao, M Cao, H Shen - Expert Systems with Applications, 2024 - Elsevier
The explosive development of artificial intelligence (AI) has reshaped all aspects of life,
including credit scoring. At the same time, the rapid expansion of the consumer finance …
including credit scoring. At the same time, the rapid expansion of the consumer finance …
Credit building or credit crumbling? A credit builder loan's effects on consumer behavior and market efficiency in the United States
A randomized encouragement design yields null average effects of a credit builder loan
(CBL) on consumer credit scores. But machine learning algorithms indicate the nulls are due …
(CBL) on consumer credit scores. But machine learning algorithms indicate the nulls are due …
Behavioral messages and debt repayment
We use a randomized experiment involving 7,029 late-paying clients of a large Colombian
bank to compare the effects on loan delinquency of text messages that encourage …
bank to compare the effects on loan delinquency of text messages that encourage …