Zobrazeno 1 - 10
of 57
pro vyhledávání: '"Vincent W. Yao"'
This paper studies how demand for labor reacts to financial technology (fintech) shocks based on comprehensive databases of fintech patents and firm job postings in the U.S. during the past decade. We first develop a measure of fintech exposure at th
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::e4b63f3e4c8e85eb9e58d229044c4aeb
https://doi.org/10.3386/w28668
https://doi.org/10.3386/w28668
Publikováno v:
SSRN Electronic Journal.
This paper studies how demand for labor reacts to financial technology (fintech) shocks based on comprehensive databases of fintech patents and firm job postings in the U.S. during the past decade. We first develop a measure of fintech exposure at th
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::e223f96cc9a422481c4217b476ec6e62
https://doi.org/10.2139/ssrn.3834776
https://doi.org/10.2139/ssrn.3834776
Autor:
Vincent W. Yao, Marco Di Maggio
We study the personal credit market using unique individual-level data covering fintech and traditional lenders. We show that fintech lenders acquire market share by first lending to higher-risk borrowers and then to safer borrowers, and mainly rely
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::faf3e6d5607a07607039af5e76b40b20
https://doi.org/10.3386/w28021
https://doi.org/10.3386/w28021
We study the interaction of search and application approval in credit markets. We combine a unique dataset, which details search behavior for a large sample of mortgage borrowers, with loan application and rejection decisions. Our data reveal substan
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::8a00dbe09a3c4812662a91eeb185f71c
https://doi.org/10.3386/w27341
https://doi.org/10.3386/w27341
Autor:
Vincent W. Yao, Marco Di Maggio
Publikováno v:
SSRN Electronic Journal.
We study the personal credit market using unique individual-level data covering fintech and traditional lenders. We show that fintech lenders acquire market share by first lending to higher-risk borrowers and then to safer borrowers, and mainly rely
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::92fa1df771ac023381004555414a2559
https://doi.org/10.2139/ssrn.3224957
https://doi.org/10.2139/ssrn.3224957
Publikováno v:
SSRN Electronic Journal.
This paper quantifies climate risk exposure at the firm level by conducting a textual analysis using earnings call transcript data. We construct dictionaries that measure physical and transition climate risks separately and identify firms that respon
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::a7d19b858b06de7fa19becdeb1f31610
https://doi.org/10.2139/ssrn.3508497
https://doi.org/10.2139/ssrn.3508497
Publikováno v:
Journal of Financial Intermediation. 36:86-100
This paper adopts a novel approach to examine the roles of gender difference and intra-household economic power in mortgage signing order. We develop an “economic power” index based on relative economic power within the same-sex couple households
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::ffc7474ac04aedaea7379503413c1946
https://doi.org/10.1016/j.jfi.2018.01.001
https://doi.org/10.1016/j.jfi.2018.01.001
Autor:
Marco Di Maggio, Benjamin J. Keys, Amit Seru, Tomasz Piskorski, Amir Kermani, Vincent W. Yao, Rodney Ramcharan
Publikováno v:
American Economic Review. 107:3550-3588
Exploiting variation in the timing of resets of adjustable-rate mortgages (ARMs), we find that a sizable decline in mortgage payments (up to 50 percent) induces a significant increase in car purchases (up to 35 percent). This effect is attenuated by
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::19702816bd1acd562a91a903ef71444f
https://doi.org/10.1257/aer.20141313
https://doi.org/10.1257/aer.20141313
Publikováno v:
Journal of Financial Economics. 123:42-58
Institutions often offer a menu of contracts to consumers in an attempt to create a separating equilibrium that reveals borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market: mortg
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::677af17aa2de54433312f9c8928cf50e
https://doi.org/10.1016/j.jfineco.2016.01.028
https://doi.org/10.1016/j.jfineco.2016.01.028
We exploit an episode of plausibly-random debt discharge, due to the inability of National Collegiate to prove chain of title, to examine the effects of student debt relief on individual credit and labor market outcomes. We find that borrowers experi
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::67bb2333082571d61e4a6c7a9e491995
https://doi.org/10.3386/w25810
https://doi.org/10.3386/w25810