Christopher M. James

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

Professor

P.O. Box 117168

Gainesville, FL 32611-7168

United States

SCHOLARLY PAPERS

36

DOWNLOADS
Rank 2,330

SSRN RANKINGS

Top 2,330

in Total Papers Downloads

25,030

SSRN CITATIONS
Rank 3,958

SSRN RANKINGS

Top 3,958

in Total Papers Citations

349

CROSSREF CITATIONS

89

Scholarly Papers (36)

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 9,157 (1,161)
Citation 34

Abstract:

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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 1,900 (15,885)
Citation 73

Abstract:

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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 1,741 (18,224)
Citation 36

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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 1,291 (28,639)
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 968 (43,185)
Citation 6

Abstract:

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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 918 (46,429)
Citation 35

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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 812 (55,018)
Citation 23

Abstract:

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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 672 (70,570)
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 672 (70,570)

Abstract:

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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 639 (75,187)
Citation 5

Abstract:

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IPO, analysts, recommendations, target prices

11.

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 596 (82,008)
Citation 18

Abstract:

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Initial public offering, analyst, target price

12.

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 582 (84,555)
Citation 4

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

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 508 (100,094)
Citation 8

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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 496 (103,184)
Citation 4

Abstract:

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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 426 (123,526)
Citation 6

Abstract:

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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 397 (133,873)
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: 64 Posted: 03 Feb 2022 Last Revised: 15 Jun 2023
Mustafa Emin, Christopher M. James, Tao Li and Jing Lu
Tulane University, University of Florida - Department of Finance, Insurance and Real Estate, University of Florida - Department of Finance, Insurance and Real Estate and University of Florida
Downloads 335 (161,440)

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Leveraged loan, Mutual fund, CLO, Fire sale, Fragility

18.

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 329 (164,609)
Citation 8

Abstract:

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AVM score, appraisal inflation, collateral misreporting

19.

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 318 (170,738)
Citation 13

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Debt Structure, Volatility, Priority, Leverage, Bankruptcy

20.

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 311 (174,746)
Citation 6

Abstract:

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

21.

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 261 (209,269)

Abstract:

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Government Debt, Crowding Out, Capital Structure, War Finance

22.

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 257 (212,485)

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Community Bank, Small Business Lending, Paycheck Protection Progam

23.

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 251 (217,505)
Citation 6

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Disclosure Rules, Compensation, 401(k) Plans

24.

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, Tulane University and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 250 (218,381)

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

25.

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 223 (243,890)
Citation 3

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26.

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, Tulane University and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 186 (287,897)
Citation 1

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Litigation, Debt Structure, Dilution, Priority

27.

Bank Loan Funds, Discretionary Pricing and Investment Flows

Number of pages: 47 Posted: 29 Sep 2021 Last Revised: 12 May 2023
Mustafa Emin and Christopher M. James
Tulane University and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 181 (294,942)
Citation 1

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Fair Value, Bank Loan, Mutual fund

28.

Variable Deposit Betas, Convexity, and Changes in Bank Interest Rate Risk Exposure

Number of pages: 45 Posted: 12 Oct 2023 Last Revised: 29 Nov 2023
Mustafa Emin, Christopher M. James and Tao Li
Tulane University, University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 138 (372,080)

Abstract:

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Interest Rate Risk, Hedging, Deposit Betas

29.

Impact of Dodd-Frank on CEO Pay and Bank Risk

Number of pages: 43 Posted: 01 Mar 2022
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 121 (409,101)

Abstract:

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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: 58 Posted: 28 Aug 2020 Last Revised: 18 Jan 2024
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 94 (492,725)
Citation 1

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Bank performance; Local housing markets; Bank diversification

31.

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

32.

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

Abstract:

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33.

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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34.

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

Abstract:

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35.

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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36.

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

Abstract:

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Other Papers (4)

Total Downloads: 884
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 487

Abstract:

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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 195

Abstract:

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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 173

Abstract:

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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 29

Abstract:

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