Abstract We derive three testable predictions from a bank-P2P lender model of competition: (a) P2P lending grows when some banks are faced with exogenously higher regulatory costs; (b) loans riskier than bank loans; and (c) the risk-adjusted interest rates on lower those loans. test these against data consumer credit market in Germany find empirical support. Overall, our analysis indicates that...

Objetivo: Comparar aspectos clínicos, laboratoriais, de imagem, manejo ventilatório e desfecho pacientes com diagnóstico COVID-19, em diferentes momentos da pandemia. Métodos: Estudo observacional, do tipo retrospectivo comparativo diagnosticados COVID-19 internados uma unidade terapia intensiva (UTI) região sul Brasil. Contou amostra total 142 indivíduos, subdivididos 2 grupos (grupo 2020 – G2...

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23

This note shows that oligopolistic loan competition with discriminatory pricing is inefficient when competing banks differ in their ability to screen borrowers: banks with better screening abilities win too small market shares. This result contrasts with a finding by Spence (1976) who showed that an oligopoly with price discrimination achieves first–best efficiency. JEL classification: D43; D82...

1. The metabolic costs of calling for male Requena verticalis Walker (Tettigoniidae: Listroscelidinae) were measured by direct recordings of oxygen consumption. The acoustic power output was measured by sound pressure levels around the calling bushcricket. 2. The average metabolic cost of calling was 0.143ml g21 h21 but depended on calling rate. The net metabolic cost of calling per unit call, ...

We examine the dynamic effects of TFP news shocks in context frictions financial markets. document two new facts. First, a shock to future generates significant decline credit spread indicators along with robust improvement supply indicators. Second, we establish tight link between and that explain majority un-forecastable movements A DSGE model enriched sector Gertler-Kiyotaki-Karadi type very...

After the Great Recession several central banks started setting negative nominal interest rates in an expansionary attempt, but effectiveness of this measure remains unclear. Negative can stimulate economy by lowering that commercial charge on loans, they also erode bank profitability squeezing deposit spreads. This paper studies effects a new DSGE model where intermediate transmission monetary...

Exposure of rat dams to hypergravity during pregnancy is associated with increased pup mortality, reduced food intake, and decreased rates of glucose oxidation and lipogenesis in mammary tissue. We hypothesized that increased pup mortality is due to changes in maternal metabolism and not to reduced food intake of dams. Effects of hypergravity on rate of glucose oxidation and lipogenesis in mamm...

BACKGROUND Contact allergy is the most frequent type of allergy, affecting 26-40% of all adults and 21-36% children. The gold standard in the diagnosis of contact allergy is patch test. OBJECTIVE To study the influence of the range and composition of patch test series on the efficacy of the diagnostic procedure. MATERIAL AND METHODS Retrospective analysis of the frequency of positive reacti...