Economics, Econometrics and Finance
4 years ago

Big Banks Shifting Loan Sales Market, Impacting Capital and Risk

Working paper
Loan Sales, Implicit Contracts, and Bank Structure
Joseph G. Haubrich, James B. Thomson

Paper Summary

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The article explores changes in the loan sales market. The researchers used a Tobit model to study what influences banks to buy and sell loans, like bank size, capital, and risk. The results support the Pennacchi model of sales. Some data questions the impact of mergers on the market and the reliability of different data sources.