Christopher M. James

University of Florida - Department of Finance, Insurance and Real Estate

Professor

P.O. Box 117168

Gainesville, FL 32611-7168

United States

  • University of Florida - Department of Finance, Insurance and Real Estate

    • Email
    • Tel: 352-392-3486
    • Fax: 352-392-0301
SCHOLARLY PAPERS

37

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26,886

TOTAL CITATIONS
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Top 4,088

in Total Papers Citations

331

Scholarly Papers (37)

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1.

Raroc Based Capital Budgeting and Performance Evaluation: A Case Study of Bank Capital Allocation

96-40
Number of pages: 34 Posted: 06 Jan 1997
Christopher M. James
University of Florida - Department of Finance, Insurance and Real Estate
Downloads 9,327 (1,351)
Citation 34

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2.

The Information Content of Bank Loan Covenants

AFA 2008 New Orleans Meetings, Review of Financial Studies, Forthcoming
Number of pages: 49 Posted: 30 Jan 2007 Last Revised: 08 Mar 2010
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 1,980 (17,778)
Citation 73

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bank lending, loan contracting, covenants, congruence

3.

The Role of Private Equity Group Reputation in LBO Financing

Journal of Financial Economics (JFE), Forthcoming
Number of pages: 53 Posted: 27 Nov 2007 Last Revised: 09 Mar 2010
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 1,886 (19,201)
Citation 51

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Leveraged Buyout, Private Equity, Reputation, Bank Financing, Market Timing

4.

Cash Flow Volatility and Capital Structure Choice

Number of pages: 60 Posted: 06 Sep 2014 Last Revised: 28 Jul 2015
Evan Dudley and Christopher M. James
Queen's University - Smith School of Business and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 1,376 (30,983)
Citation 2

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Capital structure, volatility, leverage, product-market competition, financial constraints

5.

Captured Money? Differences in the Performance Characteristics of Retail and Institutional Mutual Funds

Number of pages: 40 Posted: 11 Feb 2002
Jason J. Karceski and Christopher M. James
LSV Asset Management and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 997 (49,334)
Citation 6

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mutual funds, institutions, agency problems

6.

How Important is Having Skin in the Game? Originator-Sponsor Affiliation and Losses on Mortgage-Backed Securities

AFA 2012 Chicago Meetings
Number of pages: 55 Posted: 01 Jan 2010 Last Revised: 26 Jan 2012
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 983 (50,356)
Citation 39

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Securitization, mortgage, MBS, cherry picking, skin in the game, screening, subprime crisis, credit crisis

7.

The Determinants of Long-Term Corporate Debt Issuances

Journal of Finance, Forthcoming
Number of pages: 53 Posted: 31 May 2012 Last Revised: 26 Apr 2016
Dominique C. Badoer and Christopher M. James
University of Illinois at Chicago - Department of Finance and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 895 (57,252)
Citation 23

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Debt maturity, gap filling, market segmentation

8.

Bank Loans and Troubled Debt Restructurings

Journal of Financial Economics (JFE), Forthcoming
Number of pages: 46 Posted: 04 Oct 2013 Last Revised: 17 Jun 2015
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 732 (75,038)
Citation 11

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debt restructuring; Chapter 11; bankruptcy; private workout; holdout problem; institutional loans; CLOs

9.

Asset Specificity, Industry Driven Recovery Risk and Loan Pricing

AFA 2012 Chicago Meetings Paper
Number of pages: 49 Posted: 26 Nov 2010 Last Revised: 15 Mar 2011
Christopher M. James and Atay Kizilaslan
University of Florida - Department of Finance, Insurance and Real Estate and Independent
Downloads 701 (79,302)

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credit risk, loan pricing, asset specificity, financial distress, liquidity management

10.

What a Difference a Month Makes: Stock Analyst Valuations Following Initial Public Offerings

Number of pages: 39 Posted: 14 Aug 2003
Joel F. Houston, Christopher M. James and Jason J. Karceski
University of Florida - Department of Finance, Insurance and Real Estate, University of Florida - Department of Finance, Insurance and Real Estate and LSV Asset Management
Downloads 654 (86,643)
Citation 5

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IPO, analysts, recommendations, target prices

11.

The Use of Bank Lines of Credit in Corporate Liquidity Management: A Review of Empirical Evidence

Journal of Banking and Finance, Forthcoming
Number of pages: 26 Posted: 22 Jun 2010 Last Revised: 21 Jan 2012
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 627 (91,440)
Citation 4

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Line of credit, Cash, Liquidity, Bank, Credit Crisis

12.

Strength of Analyst Coverage Following Ipos

AFA 2006 Boston Meetings Paper
Number of pages: 45 Posted: 18 Oct 2005
Jason J. Karceski and Christopher M. James
LSV Asset Management and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 607 (95,342)
Citation 18

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Initial public offering, analyst, target price

13.

Bank Lending Standards and Access to Lines of Credit

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 39 Posted: 21 Mar 2009 Last Revised: 19 Jan 2012
Cem Demiroglu, Christopher M. James and Atay Kizilaslan
Koc University, College of Administrative Sciences and Economics, University of Florida - Department of Finance, Insurance and Real Estate and Independent
Downloads 524 (114,666)
Citation 9

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Bank lending standards, liquidity management, lines of credit, banking relationships, private firms

14.

Ratings Quality and Borrowing Choice

Journal of Finance, Forthcoming
Number of pages: 71 Posted: 18 Sep 2015 Last Revised: 09 Jan 2019
Dominique C. Badoer, Cem Demiroglu and Christopher M. James
University of Illinois at Chicago - Department of Finance, Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 520 (115,694)
Citation 4

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credit ratings; ratings inflation; asymmetric information

15.

Why Are Commercial Loan Rates So Sticky? The Effect of Private Information on Loan Spreads

Journal of Financial Economics (JFE), Forthcoming
Number of pages: 54 Posted: 16 May 2019 Last Revised: 24 May 2021
Cem Demiroglu, Christopher M. James and Guner Velioglu
Koc University, College of Administrative Sciences and Economics, University of Florida - Department of Finance, Insurance and Real Estate and Loyola University Chicago - Department of Finance
Downloads 466 (132,057)
Citation 7

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Loan Spreads, Relationship Lending, Private Information, Anchoring

16.

Capital-Structure Changes Around IPOs

Number of pages: 60 Posted: 03 Oct 2013 Last Revised: 24 Jul 2014
Evan Dudley and Christopher M. James
Queen's University - Smith School of Business and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 442 (140,759)
Citation 4

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Capital structure, preferred shares, market timing, staged finance, initial public offerings

17.

Institutional Synergies and the Fragility of Loan Funds

Number of pages: 68 Posted: 03 Feb 2022 Last Revised: 16 Jul 2024
Mustafa Emin, Christopher M. James, Tao Li and Jing Lu
University of Alabama, University of Florida - Department of Finance, Insurance and Real Estate, University of Florida - Warrington College of Business Administration and University of Florida
Downloads 440 (141,490)

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Leveraged loan, Mutual fund, CLO, Fire sale, Fragility. JEL Classification: G23, G38

18.

Variable Deposit Betas and Bank Exposure to Interest Rate Risk

Number of pages: 64 Posted: 12 Oct 2023 Last Revised: 25 Nov 2024
Mustafa Emin, Christopher M. James and Tao Li
University of Alabama, University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Warrington College of Business Administration
Downloads 436 (142,950)

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Interest Rate Risk, Hedging, Deposit Betas

19.

Indicators of Collateral Misreporting

Number of pages: 32 Posted: 20 Sep 2014 Last Revised: 22 Jul 2015
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 350 (183,070)
Citation 8

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AVM score, appraisal inflation, collateral misreporting

20.

Priority Spreading of Corporate Debt

Number of pages: 60 Posted: 23 Dec 2016 Last Revised: 26 Jan 2019
Dominique C. Badoer, Evan Dudley and Christopher M. James
University of Illinois at Chicago - Department of Finance, Queen's University - Smith School of Business and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 340 (188,952)
Citation 14

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Debt Structure, Volatility, Priority, Leverage, Bankruptcy

21.

Works of Friction? Originator-Sponsor Affiliation and Losses on Mortgage-Backed Securities

AFA 2012 Chicago Meetings Paper
Number of pages: 56 Posted: 16 Mar 2011
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 330 (195,070)
Citation 6

Abstract:

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securitization, MBS, skin in the game, liar's loans

22.

Contracting Costs, Covenant-Lite Lending and Reputational Capital

Number of pages: 53 Posted: 07 Jan 2021 Last Revised: 23 Mar 2023
Dominique C. Badoer, Mustafa Emin and Christopher M. James
University of Illinois at Chicago - Department of Finance, University of Alabama and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 310 (208,683)

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Cov-Lite Loans, Institutional Loans, Private Equity Firms, Reputational Contracting

23.

Crowded out from the Beginning: Impact of Government Debt on Corporate Financing

Number of pages: 63 Posted: 25 Feb 2020 Last Revised: 23 Jan 2021
Cagri Akkoyun, Nuri Ersahin and Christopher M. James
Analysis Group, Inc. - Dallas Office, Southern Methodist University (SMU) - Finance Department and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 285 (228,020)

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Government Debt, Crowding Out, Capital Structure, War Finance

24.

Time Is Money: Real Effects of Relationship Lending: Evidence from Community Bank Lending in the Paycheck Protection Program.

Number of pages: 52 Posted: 15 Jul 2020 Last Revised: 25 Feb 2021
Christopher M. James, Jing Lu and Yangfan Sun
University of Florida - Department of Finance, Insurance and Real Estate, University of Florida and Georgetown University - Department of Economics
Downloads 281 (231,404)

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Community Bank, Small Business Lending, Paycheck Protection Progam

25.

I Can See Clearly Now: The Impact of Disclosure Requirements on 401(k) Fees

Number of pages: 41 Posted: 02 Jan 2018 Last Revised: 27 Jan 2019
Dominique C. Badoer, Charlie Costello and Christopher M. James
University of Illinois at Chicago - Department of Finance, Upstart Network Inc. and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 279 (233,095)
Citation 6

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Disclosure Rules, Compensation, 401(k) Plans

26.

Bank Loan Funds, Discretionary Pricing and Investment Flows

Number of pages: 51 Posted: 29 Sep 2021 Last Revised: 03 Oct 2024
Mustafa Emin and Christopher M. James
University of Alabama and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 248 (262,691)
Citation 1

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Fair Value, Bank Loan, Mutual fund

27.

Litigation Risk and Debt Structure Choice

Number of pages: 44 Posted: 17 Jul 2020 Last Revised: 22 Jun 2022
Dominique C. Badoer, Mustafa Emin and Christopher M. James
University of Illinois at Chicago - Department of Finance, University of Alabama and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 236 (275,726)
Citation 1

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Litigation, Debt Structure, Dilution, Priority

28.

Banks and Bubbles: How Good are Bankers at Spotting Winners?

Journal of Financial Economics (JFE), Vol. 86, No. 1, 2007
Number of pages: 42 Posted: 17 Jan 2006
Laura Gonzalez, Laura Gonzalez and Christopher M. James
Fordham UniversityCalifornia State University, Long Beach - Department of Finance, Real Estate & Law and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 230 (282,809)
Citation 3

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29.

Impact of Dodd-Frank on CEO Pay and Bank Risk

Number of pages: 63 Posted: 01 Mar 2022 Last Revised: 28 May 2024
Hengguo Da, Christopher M. James and Darius Palia
Southwestern University of Finance and Economics, University of Florida - Department of Finance, Insurance and Real Estate and Rutgers University, Newark, School of Business-Newark, Department of Finance & Economics
Downloads 195 (330,572)

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Dodd-Frank, CEO Pay, bank risk

30.

The Sensitivity of Bank Performance to Local Housing Prices - Evidence from Diversified and Local Banks

Number of pages: 50 Posted: 28 Aug 2020 Last Revised: 03 Mar 2025
Christopher M. James, Nhan Le, Duc Nguyen and Takeshi Yamada
University of Florida - Department of Finance, Insurance and Real Estate, Australian National University, Australian National University and Australian National University (ANU)
Downloads 135 (452,754)
Citation 2

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Bank performance; Local housing markets; Bank diversification

31.

Low Interest Rates, Technology, and the Desertification of Banking

Number of pages: 60 Posted: 27 Jan 2025 Last Revised: 04 Feb 2025
Christopher M. James and Nitish Kumar
University of Florida - Department of Finance, Insurance and Real Estate and University of Florida
Downloads 74 (682,143)

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Branch closures, banking deserts, technology, low interest rates

32.

State Foreclosure Laws and the Incidence of Mortgage Default

Journal of Law and Economics Vol. 57, 2014, pp.225-280
Posted: 02 May 2011 Last Revised: 10 Jul 2014
Cem Demiroglu, Evan Dudley and Christopher M. James
Koc University, College of Administrative Sciences and Economics, Queen's University - Smith School of Business and University of Florida - Department of Finance, Insurance and Real Estate

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Strategic Default, Mortgage Crisis, Foreclosure Process, State Foreclosure Laws

33.

Do Banks Provide Financial Slack?

Posted: 29 Nov 2003
Charles J. Hadlock and Christopher M. James
University of Pittsburgh and University of Florida - Department of Finance, Insurance and Real Estate

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34.

Do Relationships Have Limits? Banking Relationships, Financial Constraints and Investment

Posted: 03 Jul 2001
Joel F. Houston and Christopher M. James
University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Department of Finance, Insurance and Real Estate

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35.

When Do Banks Take Equity? An Analysis of Bank Loan Restructurings and the Role of Public Debt

Posted: 19 Sep 1999
Christopher M. James
University of Florida - Department of Finance, Insurance and Real Estate

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36.

When Do Banks Take Equity in Debt Restructurings?

REVIEW OF FINANCIAL STUDIES, Vol 8, No 4
Posted: 25 Aug 1998
Christopher M. James
University of Florida - Department of Finance, Insurance and Real Estate

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37.

Bank Information Monopolies and the Mix of Private and Public Debt Claims

J. OF FINANCE, Vol. 51 No. 5, December 1996
Posted: 15 Oct 1996
Joel F. Houston and Christopher M. James
University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Department of Finance, Insurance and Real Estate

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Other Papers (4)

Total Downloads: 937
Actions:
Email selected abstracts
1.

Lender Control and the Role of Private Equity Group Reputation in Buyout Financing

Number of pages: 45 Posted: 27 Mar 2008
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 512

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LBO, financing, covenant, private equity, reputation

2.

Credit Market Conditions and the Value of Banking Relationships for Private Firms

Number of pages: 44 Posted: 19 Mar 2009
Cem Demiroglu, Christopher M. James and Atay Kizilaslan
Koc University, College of Administrative Sciences and Economics, University of Florida - Department of Finance, Insurance and Real Estate and Independent
Downloads 208

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banking relationships, trade credit, soft information, credit rationing, credit channel, IPO, private sellouts

3.

'Bank' Loan Ownership and Troubled Debt Restructurings

Number of pages: 52 Posted: 07 May 2013
Cem Demiroglu and Christopher M. James
Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 182

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financial distress, troubled debt, debt restructuring, bankruptcy, securitization, institutional loans, holdout problems

4.

Ratings Quality and Borrowing Choice

Number of pages: 47 Posted: 17 May 2016
Dominique C. Badoer, Cem Demiroglu and Christopher M. James
University of Illinois at Chicago - Department of Finance, Koc University, College of Administrative Sciences and Economics and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 35

Abstract:

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credit ratings, split ratings, conflicts of interest, lemons problem, financial intermediation