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Payments and privacy in the digital economy

Peter Hoffmann,Cyril Monnet, Toni Ahnert   Mar 02,2024

Working Paper No.00139-00

We propose a model of financial intermediation, payments choice, and privacy in the digital economy. While digital payments enable merchants to sell... Read More

Financial Restructuring and Resolution of Banks

Denis Gromb (in memoriam) Jean-Edouard Colliard   Mar 22,2024

Working Paper No.00065-01

How do resolution frameworks affect the private restructuring of distressed banks? We model a bank’s shareholders and creditors negotiating a... Read More

Information Technology and Lender Competition

Zhiqiang Ye, Xavier Vives   Aug 01,2024

Working Paper No.00129-01

We study how information technology (IT) affects lender competition, entrepreneurs’ investment, and welfare in a spatial model. The effects of... Read More

Fintech Entry, Lending Market Competition, and Welfare

Zhiqiang Ye, Xavier Vives   Aug 01,2024

Working Paper No.00141-00

We study fintech entry and how it affects competition, investment, and welfare in a spatial model. We find that fintechs... Read More

Blockchain for Environmental Monitoring: Theory and Empirical Evidence from China

Yuanyu Qu,Guojun Wang, Lin William Cong (叢林)   Nov 21,2024

Working Paper No.00144-00

We present the first piece of empirical evidence on blockchain adoption for environmental monitoring. Using a staggered difference-in-difference (DID) framework,... Read More

Rules versus Disclosure: Prudential Regulation and Market Discipline

Satoshi Fukuda, Daniel Neuhann William Fuchs   Nov 22,2024

Working Paper No.00145-00

We study the joint design of two prominent micro-prudential policy tools: bank regulation that enforces operational standards via rules,... Read More

Smooth versus Harsh Regulatory Interventions and Policy Equivalence

Linda Schilling   Aug 03,2023

Working Paper No.00123-00

Policy makers have developed different forms of policy intervention for stopping, or preventing runs on financial firms. This paper... Read More

Designing Stress Scenarios

Thomas Philippon, Cecilia Parlatore   Sep 25,2023

Working Paper No.00074-01

We study the optimal design of stress scenarios. A principal manages the unknown risk exposures of agents by asking them to... Read More

Banks vs. Firms: Who Benefits from Credit Guarantees?

Alberto Martin,Sergio Mayordomo, Victoria Vanasco   Nov 14,2023

Working Paper No.00108-01

Governments often support private credit through guarantee schemes, which compen-sate private lenders in the event of borrower default. A key... Read More

Central Bank Digital Currency and Financial Stability

Peter Hoffmann,Agnese Leonello,Davide Porcellacchia, Toni Ahnert   Dec 20,2023

Working Paper No.00100-03

What is the effect of Central Bank Digital Currency (CBDC) on financial stability? We answer this question by studying a model... Read More