Rebel A. Cole

Florida Atlantic University

Lynn Eminent Scholar Chaired Professor of Finance

College of Business

777 Glades Road

Boca Raton, FL 33431

United States

http://rebelcole.com

SCHOLARLY PAPERS

77

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SSRN CITATIONS
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Top 903

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925

CROSSREF CITATIONS

806

Scholarly Papers (77)

1.

Agency Costs and Ownership Structure

Journal of Finance, Vol. 55, No. 1, February 2000
Number of pages: 39 Posted: 23 Apr 2007 Last Revised: 03 Nov 2008
James S. Ang, Rebel A. Cole and James W Lin
Florida State University, Florida Atlantic University and Montana State University - Bozeman - College of Business
Downloads 2,305 (12,447)
Citation 121

Abstract:

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agency costs, bank monitoring, ownership structure,

2.

Does FinTech Compete with or Complement Bank Finance?

Number of pages: 38 Posted: 03 Jan 2019 Last Revised: 05 Sep 2019
Rebel A. Cole, Douglas J. Cumming and Jon Taylor
Florida Atlantic University, Florida Atlantic University and Florida Gulf Coast University - Department of Accounting, Finance & Business Law
Downloads 2,003 (15,543)
Citation 8

Abstract:

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Banks, Bank Loans, Bank Failure, Crowdfunding, FinTech

3.

A CAMEL Rating's Shelf Life

Number of pages: 23 Posted: 03 Nov 2008
Rebel A. Cole and Jeffery Gunther
Florida Atlantic University and Federal Reserve Banks - Federal Reserve Bank of Dallas
Downloads 1,332 (29,024)
Citation 17

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Bank, Bank Failure, CAMEL, Commercial Bank, Offsite Supervision, Regulation

4.

Political Connections and Minority-Shareholder Protection: Evidence from Securities-Market Regulation in China

Journal of Financial and Quantitative Analysis (JFQA), Vol. 45, No. 6, pp.1391-1417, 2010, AFA 2009 San Francisco Meetings Paper
Number of pages: 46 Posted: 25 Mar 2008 Last Revised: 01 Mar 2011
Henk Berkman, Rebel A. Cole and Jiang Lawrence Fu
University of Auckland Business School, Florida Atlantic University and Standard Charter Bank
Downloads 1,266 (31,309)
Citation 32

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China, corporate governance, enforcement, expropriation, political connections, investor

5.

Déjà Vu All Over Again: The Causes of U.S. Commercial Bank Failures This Time Around

Journal of Financial Services Research 42, 5-29
Number of pages: 44 Posted: 19 Jul 2010 Last Revised: 14 Jan 2013
Florida Atlantic University and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 1,043 (41,394)
Citation 102

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Bank, Bank Failure, Commercial Real Estate, CAMELS, FDIC, Financial Crisis, Mortgage-Backed Security, Risk-Based Capital, Risk-Weighted Assets

6.

Predicting bank failures using simple static and time-varying models

Number of pages: 44 Posted: 24 Aug 2009 Last Revised: 02 Apr 2021
Rebel A. Cole, Jon Taylor and Qiongbing Wu
Florida Atlantic University, Florida Gulf Coast University - Department of Accounting, Finance & Business Law and Western Sydney University
Downloads 988 (44,633)
Citation 9

Abstract:

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banking crisis, bank failure, bank supervision, CAMELS, failure prediction, financial crisis, hazard model, logit model, offsite monitoring probit model

Cookie-Cutter Versus Character: The Micro Structure of Small Business Lending by Large and Small Banks

Number of pages: 46 Posted: 23 Feb 2002
University of Miami - Department of Finance, Florida Atlantic University and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 673 (73,726)
Citation 57

Abstract:

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Small business lending, Banks, Relationship banking, and Size of bank

Cookie-Cutter Versus Character: The Micro Structure of Small-Business Lending by Large and Small Banks

Journal of Financial and Quantitative Analysis, Vol. 39, No. 2, June 2004
Number of pages: 43 Posted: 02 May 2004 Last Revised: 10 Apr 2010
Florida Atlantic University, University of Miami - Department of Finance and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 227 (253,170)
Citation 56

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Bank, bank size, credit availability, relationship lending, small business

Cookie-Cutter Versus Character: The Micro Structure of Small Business Lending by Large and Small Banks

NYU Working Paper No. FIN-98-022
Number of pages: 34 Posted: 07 Nov 2008
Florida Atlantic University, University of Miami - Department of Finance and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 78 (589,685)

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8.

SME Credit Availability Around the World: Evidence from the World Bank's Enterprise Surveys

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 43 Posted: 22 Apr 2012 Last Revised: 06 Dec 2019
Rebel A. Cole, Andreas Dietrich and Tracie Frost
Florida Atlantic University, Lucerne University of Applied Sciences and Arts and Hong Kong Polytechnic University
Downloads 903 (50,551)
Citation 6

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availability of credit, denied credit, discrimination, discouraged firm, entrepreneurship, small business, WBES

9.

Improving Corporate Governance Where the State is the Controlling Block Holder: Evidence from China

European Journal of Finance, Forthcoming
Number of pages: 63 Posted: 06 Feb 2008 Last Revised: 28 May 2012
Henk Berkman, Rebel A. Cole and Jiang Lawrence Fu
University of Auckland Business School, Florida Atlantic University and Standard Charter Bank
Downloads 894 (51,280)
Citation 2

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block-holder identity, China, partial corporate control, partial privatization, privatization, State ownership, SOE

10.
Downloads 869 (53,320)
Citation 15

Bank Stock Returns and Economic Growth

Number of pages: 50 Posted: 20 Jul 2007
Rebel A. Cole, Fariborz Moshirian and Qiongbing Wu
Florida Atlantic University, Institute of Global Finance, UNSW Business School and Western Sydney University
Downloads 665 (74,876)
Citation 3

Abstract:

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Banks, Economic Growth, Emerging Markets, Financia

Bank Stock Returns and Economic Growth

Journal of Banking and Finance, Vol. 32, No. 6, 2008
Number of pages: 13 Posted: 09 May 2008 Last Revised: 05 Sep 2008
Rebel A. Cole, Fariborz Moshirian and Qiongbing Wu
Florida Atlantic University, Institute of Global Finance, UNSW Business School and Western Sydney University
Downloads 204 (279,904)
Citation 3

Abstract:

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banks, economic growth, emerging markets, financial development

11.

What Do We Know About the Capital Structure of Privately Held Firms? Evidence from the Surveys of Small Business Finance

Financial Management 45 (Winter), 777-813.
Number of pages: 68 Posted: 26 Mar 2008 Last Revised: 02 Jan 2014
Rebel A. Cole
Florida Atlantic University
Downloads 867 (53,473)
Citation 23

Abstract:

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capital structure, pecking-order theory, privately held firm, small business, trade-off theory, SSBF

12.

Agency Conflicts, Expropriation and Firm Value: Evidence from Securities-Market Regulation in China

Number of pages: 46 Posted: 18 Aug 2003 Last Revised: 24 Nov 2023
Henk Berkman, Rebel A. Cole and Jiang Lawrence Fu
University of Auckland Business School, Florida Atlantic University and Standard Charter Bank
Downloads 833 (56,447)
Citation 2

Abstract:

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agency costs, bright lines, China, convergence, corporate governance, enforcement, expropriation, independent director, investor protection, minority shareholder, regulation, tunneling

13.

Why are Net-Interest Margins Across Countries so Different?

Number of pages: 51 Posted: 25 Jan 2010 Last Revised: 06 Mar 2015
Lucerne University of Applied Sciences and Arts, Institut für Finanzdienstleistungen Zug (IFZ) and Florida Atlantic University
Downloads 808 (58,834)
Citation 4

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Commercial Bank, Corporate Governance, Creditors’ Rights, Developing Countries, Legal Origin, Net-Interest Margin, Market Development, Judicial Efficiency

14.

Do Mergers Create or Destroy Value? Evidence from Unsuccessful Mergers

Number of pages: 25 Posted: 27 Aug 2007 Last Revised: 05 Feb 2014
Rebel A. Cole and Joseph D. Vu
Florida Atlantic University and DePaul University - Department of Finance
Downloads 767 (63,151)
Citation 4

Abstract:

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diversification, focus, merger, signaling, terminated merger

15.

What Do We Know About Executive Compensation at Privately Held Firms?

FRB of New York Staff Report No. 314
Number of pages: 72 Posted: 15 Mar 2007 Last Revised: 20 Feb 2013
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 761 (63,816)
Citation 2

Abstract:

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CEO, Compensation, Education, Executive, Executive Pay, Gender, Organizational Form, Ownership, SSBF, Taxes

16.

How Do Firms Choose Legal Form of Organization?

31st Australasian Finance and Banking Conference 2018
Number of pages: 40 Posted: 26 Mar 2012 Last Revised: 30 Jul 2018
Rebel A. Cole and Tatyana Sokolyk
Florida Atlantic University and Brock University - Department of Finance, Operations & Information Systems
Downloads 757 (64,240)
Citation 11

Abstract:

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corporation, entrepreneurship, Kauffman Firm Survey, LLC, legal form of organization, organizational form, partnership, proprietorship, small business, start-up

17.

Who Needs Credit and Who Gets Credit? Evidence from the Surveys of Small Business Finances

Journal of Financial Stability 24, 40-60, June 2016
Number of pages: 57 Posted: 13 May 2008 Last Revised: 10 May 2016
Rebel A. Cole and Tatyana Sokolyk
Florida Atlantic University and Brock University - Department of Finance, Operations & Information Systems
Downloads 720 (68,529)
Citation 41

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availability of credit, capital structure, credit rationing, discouraged, discrimination, entrepreneurship, loan approval, loan denial, small business, SSBF

Expropriation Through Loan Guarantees to Related Parties: Evidence from China

Number of pages: 34 Posted: 23 Apr 2007
Rebel A. Cole, Henk Berkman and Jiang Lawrence Fu
Florida Atlantic University, University of Auckland Business School and Standard Charter Bank
Downloads 418 (132,530)

Abstract:

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block holder, China, expropriation, minority shareholder, Tobin's Q, tunneling

Expropriation Through Loan Guarantees to Related Parties: Evidence from China

Journal of Banking and Finance, Vol. 33, No. 1, 2009
Number of pages: 35 Posted: 24 Nov 2008 Last Revised: 10 Apr 2010
Henk Berkman, Rebel A. Cole and Jiang Lawrence Fu
University of Auckland Business School, Florida Atlantic University and Standard Charter Bank
Downloads 242 (237,919)
Citation 11

Abstract:

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Block holder, China, connected party transaction, corporate governance, expropriation, related party transaction, Tobin's Q, tunneling

19.

Legal Origin, Creditor Protection and Bank Lending Around the World

31st Australasian Finance and Banking Conference 2018
Number of pages: 43 Posted: 02 Jul 2007 Last Revised: 30 Jul 2018
Rebel A. Cole and Rima Turk-Ariss
Florida Atlantic University and International Monetary Fund
Downloads 641 (79,467)
Citation 11

Abstract:

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banking, bank loans, bank risk-taking, creditor protection, creditors' rights, emerging markets, investor protection, judicial enforcement, law and finance, legal origin, legal rights

20.

Debt Financing, Survival, and Growth of Start-Up Firms

Journal of Corporate Finance, Forthcoming
Number of pages: 48 Posted: 09 Oct 2014 Last Revised: 26 Nov 2017
Rebel A. Cole and Tatyana Sokolyk
Florida Atlantic University and Brock University - Department of Finance, Operations & Information Systems
Downloads 630 (81,181)
Citation 34

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entrepreneurial finance, banks’ selection and monitoring, credit financing, financial intermediation, Kauffman, KFS, start-up, growth, survival

21.

Gender and the Availability of Credit to Privately Held Firms: Evidence from the Surveys of Small Business Finances

FRB of New York Staff Report No. 383
Number of pages: 63 Posted: 06 Mar 2009 Last Revised: 22 Feb 2022
Rebel A. Cole, Hamid Mehran and Germana Giombini
Florida Atlantic University, Independent and University of Urbino
Downloads 615 (83,663)
Citation 17

Abstract:

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access to credit, denied borrower, discouraged borrower, discrimination, entrepreneurship, gender, SSBF

22.

FIMS: A New Financial Institutions Monitoring System for Banking Organizations

Federal Reserve Bulletin, Vol. 81, pp. 1-15, January 1995
Number of pages: 41 Posted: 26 Feb 2008 Last Revised: 18 Nov 2008
Rebel A. Cole, Jeffery Gunther and Barbara Cornyn
Florida Atlantic University, Federal Reserve Banks - Federal Reserve Bank of Dallas and affiliation not provided to SSRN
Downloads 613 (84,005)
Citation 7

Abstract:

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bank, bank failure, bank supervision, CAEL, CAMEL, early warning system, EWS, Federal Reserve, SEER, UBSS

23.

Predicting Bank Failures: A Comparison of On- and Off-Site Monitoring Systems

Journal of Financial Services Research, Vol. 13, No. 2, pp. 103-117, 1998
Number of pages: 21 Posted: 24 Apr 2007 Last Revised: 09 Nov 2008
Rebel A. Cole and Jeffery Gunther
Florida Atlantic University and Federal Reserve Banks - Federal Reserve Bank of Dallas
Downloads 575 (91,071)
Citation 9

Abstract:

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bank examination, bank failure, CAMEL rating, early warning system

24.

How Accurate are Commercial Real Estate Appraisals? Evidence from 25 Years of NCREIF Sales Data

Journalof Portfolio Management, Vol. 35, No. 5, 2011
Number of pages: 45 Posted: 27 Apr 2011 Last Revised: 11 Jan 2013
Susanne E. Cannon and Rebel A. Cole
DePaul University Department of Real Estate and Florida Atlantic University
Downloads 496 (109,440)
Citation 10

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appraisal, appraisal lag, commercial real estate, commingled real estate fund, real estate cycle, separate account, NCREIF, NPI

25.

The Role of Commercial Real Estate Investments in the Banking Crisis of 1985-92

Number of pages: 26 Posted: 02 Nov 2008
George W. Fenn and Rebel A. Cole
Cambridge Finance Partners and Florida Atlantic University
Downloads 439 (126,446)
Citation 1

Abstract:

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bank, bank failure, commercial bank, commercial real estate

26.

Does Deposit Insurance Improve Financial Intermediation? Evidence from the Russian Experiment

Journal of Banking and Finance, Vol. 35, No. 2, pp. 388-402, 2010
Number of pages: 48 Posted: 16 Jan 2009 Last Revised: 01 Mar 2011
Lucy Chernykh and Rebel A. Cole
Clemson University and Florida Atlantic University
Downloads 391 (144,479)
Citation 20

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Bank, Deposit Insurance, Financial Intermediation, Moral Hazard, Russia, State-Owned Bank

27.

Deregulation Gone Awry: Moral Hazard in the Savings and Loan Industry

Number of pages: 51 Posted: 03 Nov 2008
Florida Atlantic University, Government of the United States of America - Federal Housing Finance Board (FHFB) and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 387 (146,156)
Citation 3

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deregulation, failure, moral hazard, S&L, thrift

28.

How Did the Financial Crisis Affect Small Business Lending in the U.S.?

Journal of Financial Research
Number of pages: 109 Posted: 31 Jul 2011 Last Revised: 23 Jul 2020
Rebel A. Cole and Jason Damm
Florida Atlantic University and University of Miami
Downloads 380 (149,140)
Citation 16

Abstract:

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availability of credit, bank bailout, bank credit, bank lending, bank regulation, business subsidies, capital purchase program, credit crunch, entrepreneurship, financial crisis, small business, TARP

29.

The Importance of Relationships to the Availability of Credit

Journal of Banking and Finance, Vol. 22, 1998
Number of pages: 32 Posted: 23 Apr 2007 Last Revised: 09 Nov 2008
Rebel A. Cole
Florida Atlantic University
Downloads 355 (160,815)
Citation 117

Abstract:

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asymmetric information, credit availability, relationship lending, small business

30.

How Do Firms Choose Legal Form of Organization?

Number of pages: 40 Posted: 25 Sep 2010 Last Revised: 26 Jul 2018
Rebel A. Cole and Tatyana Sokolyk
Florida Atlantic University and Brock University - Department of Finance, Operations & Information Systems
Downloads 354 (161,307)
Citation 10

Abstract:

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corporation, entrepreneurship, Kauffman Firm Survey, LFO, LLC, legal form of organization, organizational form, partnership, proprietorship, small business

31.

The Role of Owner in Capital Structure Decisions: An Analysis of Single-Owner Corporations

Journal of Entrepreneurial Finance 14, 1-36
Number of pages: 49 Posted: 09 Sep 2010 Last Revised: 13 Jan 2013
James S. Ang, Rebel A. Cole and Dan Lawson
Florida State University, Florida Atlantic University and Gonzaga University
Downloads 338 (169,513)
Citation 5

Abstract:

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capital structure, small business, personal risk characteristics, SSBF

32.

Entrepreneurial Optimism, Credit Availability, and Cost of Financing: Evidence from U.S. Small Businesses

Journal of Corporate Finance, Forthcoming
Number of pages: 54 Posted: 25 Jul 2009 Last Revised: 10 Apr 2017
Na Dai, Vladimir I. Ivanov and Rebel A. Cole
SUNY at Albany - School of Business, US Securities & Exchange Commission and Florida Atlantic University
Downloads 333 (172,273)
Citation 6

Abstract:

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Optimism, Small Business Financing, Credit Availability, Capital Structure

33.

How Should We Measure Bank Capital Adequacy for Triggering Prompt Corrective Action? A (Simple) Proposal

Journal of Financial Stability 20 (2015) 131-143
Number of pages: 47 Posted: 29 Apr 2014 Last Revised: 11 Nov 2015
Lucy Chernykh and Rebel A. Cole
Clemson University and Florida Atlantic University
Downloads 303 (190,352)
Citation 2

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bank, bank failure, banking supervision, Basel, capital adequacy, forbearance, leverage ratio, PCA, prompt corrective action, Tier 1

34.

From State to State: Improving Corporate Governance Where the Government is the Controlling Block Holder

Number of pages: 40 Posted: 21 Aug 2007
Rebel A. Cole, Henk Berkman and Jiang Lawrence Fu
Florida Atlantic University, University of Auckland Business School and Standard Charter Bank
Downloads 302 (191,092)

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annual meeting, block holder, board of directors, cash-flow rights, control rights, corporate governance, incentive compensation, politics and finance, privatization, State ownership, State-owned enterprise, ultimate shareholder

35.

Corporate Failures: Declines, Collapses, and Scandals

Journal of Corporate Finance, Forthcoming
Number of pages: 29 Posted: 16 Dec 2022
Rebel A. Cole, Sofia Johan and Denis Schweizer
Florida Atlantic University, Florida Atlantic University - Finance and Concordia University
Downloads 276 (209,752)

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Law and Finance, Financial Market Misconduct, Fraud, Regulation, Trust

36.
Downloads 274 (211,358)
Citation 6

Do Banks or VCs Spur Small Firm Growth?

Journal of International Financial Markets, Institutions and Money 41, 60-72, March 2016
Number of pages: 37 Posted: 31 Oct 2015 Last Revised: 02 Sep 2016
Rebel A. Cole, Douglas J. Cumming and Dan Li
Florida Atlantic University, Florida Atlantic University and Chinese University of Hong Kong, Shenzhen
Downloads 141 (386,545)

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Banks, Venture Capital, Growth, Entrepreneurship

Do Banks or VCs Spur Small Firm Growth?

Number of pages: 36 Posted: 01 Nov 2014
Rebel A. Cole, Douglas J. Cumming and Dan Li
Florida Atlantic University, Florida Atlantic University and Chinese University of Hong Kong, Shenzhen
Downloads 133 (405,022)

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Banks, Venture Capital, Growth, Entrepreneurship

37.

Executive Compensation and Corporate Performance: Evidence from Thrift Institutions

Rebuilding Banking: Proceedings of the 27th Annual Conference on Bank Structure and Performance, pp. 227-247, 1991
Number of pages: 23 Posted: 26 Nov 2008
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 244 (237,096)
Citation 2

Abstract:

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agency costs, CEO pay, compensation, deposit insurance, executive compensation, thrift

38.

The Housing-Asset Relief Program: A Plan for Stabilizing the Housing and Securities Markets

Number of pages: 8 Posted: 06 Feb 2009 Last Revised: 27 Apr 2009
Rebel A. Cole
Florida Atlantic University
Downloads 239 (241,943)

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ABS, banks, CDO, delinquent mortgage, foreclosure, financial crisis, housing, housing crisis, mortgage crisis, MBS, refinancing, subprime, subprime crisis, TARP

39.

Changes in REIT Liquidity 1988-2007: Evidence from Daily Data

Journal of Real Estate Finance and Economics 43, 258 - 280
Number of pages: 39 Posted: 13 Nov 2008 Last Revised: 13 Jan 2013
Susanne E. Cannon and Rebel A. Cole
DePaul University Department of Real Estate and Florida Atlantic University
Downloads 227 (254,207)
Citation 5

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Bid-Ask Spread, Depth, Liquidity, Price Impact, REIT

40.

Availability of Credit to Small and Minority-Owned Businesses: Evidence from the 1993 National Survey of Small Business Finances

Number of pages: 37 Posted: 27 Aug 2007 Last Revised: 28 Apr 2009
Rebel A. Cole
Florida Atlantic University
Downloads 223 (258,546)
Citation 7

Abstract:

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credit availability, discrimination, race, small business, SSBF

41.

U.S. Exchange Upgrades: Reducing Uncertainty Through a Two-Stage IPO

Journal of Financial Intermediation, Forthcoming
Number of pages: 35 Posted: 14 Jul 2016 Last Revised: 07 Aug 2018
Florida Atlantic University, University of Wisconsin - Milwaukee - Department of Finance and US Securities & Exchange Commission
Downloads 220 (261,874)
Citation 4

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Initial Public Offering, Two-stage IPO, Pre-IPO market, Exchange upgrade, Underpricing, Information asymmetry, Stock volatility, Difference-in-difference test

42.

The Effect of Changes in Ownership Structure on Performance: Evidence from the Thrift Industry

Board of Governors of the Federal Reserve System Finance and Economics Discussion Series, FEDS Paper No. 96-6
Number of pages: 38 Posted: 03 Jul 1998 Last Revised: 18 Nov 2008
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 210 (273,439)
Citation 39

Abstract:

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anti-takeover provisions, corporate control, ownership structure, regulation, savings & loan, S&L, thrift

43.

Banking Consolidation and the Availability of Credit to Small Businesses

Number of pages: 24 Posted: 15 Aug 2007
Rebel A. Cole and Nicholas Walraven
Florida Atlantic University and Board of Governors of the Federal Reserve System
Downloads 209 (274,625)
Citation 8

Abstract:

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acquisition, bank, credit, merger, relationship, small business, takeover

44.

An Assessment of Financial Sector Development in Bhutan

ADB South Asia Working Paper Series No. 44, August 2016
Number of pages: 41 Posted: 28 Mar 2017
Rebel A. Cole and Sarah Carrington
Florida Atlantic University and Independent
Downloads 202 (283,289)

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finance, financial sector, financial sector development, Bhutan

45.

What Do We Know About Executive Compensation at Small Privately Held Firms?

Small Business Economics 46, 215-237, February 2016
Number of pages: 58 Posted: 05 Nov 2015 Last Revised: 02 Sep 2016
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 194 (293,856)
Citation 2

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CEO; Compensation; Executive Pay; Organizational Form; SSBF

46.

It’s not (only) personal, it’s business: Personal bankruptcy exemptions and local small business credit

Number of pages: 55 Posted: 06 Oct 2018 Last Revised: 18 Apr 2024
University of Miami, Florida Atlantic University, University of South Carolina - Department of Finance and University of Houston
Downloads 187 (303,707)

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Bank lending; Bankruptcy exemption laws; Debtor protection; Credit availability; Small-business lending

47.

When Time Is Not on Our Side: The Costs of Regulatory Forbearance in the Closure of Insolvent Banks

Journal of Banking and Finance, Forthcoming
Number of pages: 50 Posted: 27 Nov 2015 Last Revised: 17 Mar 2017
Florida Atlantic University and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 184 (308,154)
Citation 6

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bank, bank failure, CAMELS, commercial real estate, failure cost, FDIC, financial crisis, forbearance, insolvent

48.

Predicting Bank Failures: Comparing and Extending Existing Models

Number of pages: 30 Posted: 30 Jan 2019 Last Revised: 24 May 2019
Rebel A. Cole and Jon Taylor
Florida Atlantic University and Florida Gulf Coast University - Department of Accounting, Finance & Business Law
Downloads 179 (315,813)

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bank, bank failure, CAMELS, FDIC, McNemar’s Test, early warning system

49.

Credit Scores and Credit Market Outcomes: Evidence from the SSBF and KFS

U.S. Small Business Administration Research Paper No. 419
Number of pages: 72 Posted: 02 Jan 2014 Last Revised: 22 Aug 2018
Rebel A. Cole
Florida Atlantic University
Downloads 170 (330,437)
Citation 1

Abstract:

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availability of credit, credit scoring, discrimination, disparate outcomes, entrepreneurship, small business, SBCS, SSBF

50.

Does Size Matter? The Effects of Bid-Ask Spreads and Market Capitalization on Reit Returns

Number of pages: 15 Posted: 13 Feb 2010
Rebel A. Cole
Florida Atlantic University
Downloads 168 (333,899)

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Bid-Ask Spread, Liquidity, Percentage Spread, REIT

51.

Announcements of Asset-Quality Problems and Contagion Effects in the Life Insurance Industry

Journal of Financial Economics, Vol. 35, No. 2, 1994
Number of pages: 29 Posted: 23 Apr 2007 Last Revised: 09 Nov 2008
Rebel A. Cole and George W. Fenn
Florida Atlantic University and Cambridge Finance Partners
Downloads 159 (350,010)
Citation 29

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contagion, disintermediation, life insurance, writedowns

52.

Is There a Market for Partial Corporate Control? Evidence from REITs

Number of pages: 29 Posted: 16 Oct 2007
DePaul University Department of Real Estate, Florida Atlantic University and DePaul University - Department of Finance
Downloads 150 (367,278)
Citation 1

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anti-takeover provision, corporate control, hostile takeover, partial corporate control, REIT

53.

How Did Bank Lending to Small Business in the United States Fare After the Financial Crisis?

Number of pages: 77 Posted: 29 Nov 2017 Last Revised: 14 Aug 2019
Rebel A. Cole
Florida Atlantic University
Downloads 145 (377,576)

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availability of credit, bank credit, bank lending, business lending, business subsidies, credit crunch, entrepreneurship, financial crisis, small business, small business lending, troubled bank

54.

What Happens to Problem Banks? Evidence from the 1980s and Guidance for the 2010s

Number of pages: 41 Posted: 16 Jan 2011 Last Revised: 16 Jun 2011
Rebel A. Cole and Timothy J. Curry
Florida Atlantic University and U.S. Federal Deposit Insurance Corporation (FDIC) - Division of Research and Statistics
Downloads 133 (404,018)

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bank, problem bank, bank failure, CAMELS, FDIC, financial crisis,

55.

Asymmetric-Information and Principal-Agent Problems as Sources of Value in Fslic-Assisted Acquisitions of Insolvent Thrifts

Journal of Financial Services Research, Vol. 8, No. 1, 1994
Number of pages: 40 Posted: 18 Nov 2008
Rebel A. Cole, Robert Eisenbeis and Joseph McKenzie
Florida Atlantic University, Independent and Government of the United States of America - Federal Housing Finance Board (FHFB)
Downloads 126 (421,132)

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asymmetric information, deposit insurance, failure, FHLBB, FIRREA, FSLIC, insolvency, merger, OTS, principal-agent, RTC, S&L, thrift

56.

Organizational Form, Taxes, Ownership, and CEO Compensation: Evidence from Small Businesses

Number of pages: 30 Posted: 10 Apr 2010
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 117 (445,276)
Citation 1

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business taxes, CEO pay, corporation, executive compensation, organizational form, ownership, personal taxes, privately held, SSBF

57.

The Effects of Changes in Ownership Structure on Performance: Evidence from the Thrift Industry

Journal of Financial Economics, Vol. 50, 1998
Number of pages: 39 Posted: 23 Apr 2007 Last Revised: 10 Apr 2010
Rebel A. Cole and Hamid Mehran
Florida Atlantic University and Independent
Downloads 114 (454,045)

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corporate control, regulation, ownership structure, anti-takeover provisions

58.

Real Estate Value Impacts from Fracking: Industry Response and Proper Analytical Techniques

Real Estate Issues 39(3), 2014, 6-20
Number of pages: 23 Posted: 11 Nov 2015
Richard Roddewig and Rebel A. Cole
Clarion Associates, Inc and Florida Atlantic University
Downloads 113 (457,088)

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]appraisal, fracking, hedonic regression, horizontal fracturing, housing prices

59.

The Role of Principal-Agent Conflicts in the 1980s Thrift Crisis

FEDS Paper No. 95-27
Number of pages: 38 Posted: 12 Sep 1995 Last Revised: 19 Nov 2008
Rebel A. Cole and Robert Eisenbeis
Florida Atlantic University and Independent
Downloads 104 (485,425)
Citation 1

Abstract:

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agency, agency cost, failure, moral hazard, principal-agent, saving & loan, S&L, thrift

60.

A Note on Changes in REIT Liquidity: The Role of 'New REITs'

Number of pages: 12 Posted: 14 Sep 2008
Rebel A. Cole
Florida Atlantic University
Downloads 103 (488,763)
Citation 3

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bid-ask spread, liquidity, market microstructure, ownership structure, REIT

61.

Commercial Banks and Real Estate Lending: The Texas Experience

Journal of Regulatory Economics, 1996
Number of pages: 31 Posted: 14 Apr 1998 Last Revised: 03 Nov 2008
Rebel A. Cole, Robert Eisenbeis and Paul M. Horvitz
Florida Atlantic University, Independent and University of Houston - C.T. Bauer College of Business
Downloads 101 (495,390)

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62.

Reaching for Yield by Commercial Banks

Number of pages: 21 Posted: 01 Nov 2023 Last Revised: 22 Jan 2024
Brian Silverstein and Rebel A. Cole
Kansas State University and Florida Atlantic University
Downloads 99 (502,097)

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Reachinf for Yield,Regional Banking Crisis, Silicon Valley Bank, Signature Bank, First Republic Bank, Interest Rate Risk Management

63.

Financing Patterns and Performance Outcomes of Women- versus Men-Owned Young Entrepreneurial Firms

Number of pages: 55 Posted: 19 Oct 2017 Last Revised: 14 Aug 2019
Rebel A. Cole and Tatyana Sokolyk
Florida Atlantic University and Brock University - Department of Finance, Operations & Information Systems
Downloads 97 (508,863)

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women-owned firms, start-ups, Kauffman Firm Surveys, KFS, financial crisis, availability of credit, capital structure, entrepreneurship, survival

64.

Why Do Bank Holding Companies Purchase Bank-Owned Life Insurance?

Review of Quantitative Finance and Accounting https://doi.org/10.1007/s11156-020-00938-1
Number of pages: 48 Posted: 09 Jul 2016 Last Revised: 28 Mar 2021
Rebel A. Cole, Travis Davidson and Hongxia Wang
Florida Atlantic University, Ohio University - Department of Finance and Coastal Carolina University
Downloads 93 (522,916)

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Corporate governance, executive compensation, bank-owned life insurance (BOLI), bank holding company (BHC), BHC performance

65.

Commercial Real Estate in a Nation of Lockdowns

Number of pages: 33 Posted: 02 Apr 2024 Last Revised: 10 May 2024
Rebel A. Cole and Jason Damm
Florida Atlantic University and University of Miami
Downloads 92 (526,519)

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commercial real estate, COVID-19, NCREIF, pandemic

66.

Debt Financing of Small OTC Firms Reporting to the SEC

Number of pages: 59 Posted: 14 Oct 2020 Last Revised: 28 Mar 2021
Rebel A. Cole, Claire Y.C. Liang and Rengong Zhang
Florida Atlantic University, Georgetown University and City University of Hong Kong (CityU)
Downloads 90 (533,883)
Citation 1

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Small firm finance; Entrepreneurial finance; Over-the-counter (OTC) firms; Debt finance; Financial growth cycle

67.

Revenge of the S&Ls: How Banks Lost a Half Trillion Dollars during 2022

The Wharton School Research Paper
Number of pages: 46 Posted: 15 Apr 2024
Florida Atlantic University, Kansas State University, Florida Gulf Coast University - Department of Accounting, Finance & Business Law, New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 89 (541,418)

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bank failure, interest-rate risk, mortgage, mortgage-backed securities, uninsured deposits

68.

Do Banks Lend Where They Borrow? Local Small-Business Lending in the U.S.

Number of pages: 66 Posted: 18 May 2020 Last Revised: 01 Sep 2022
Rebel A. Cole and Jason Damm
Florida Atlantic University and University of Miami
Downloads 77 (586,341)

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access to credit, bank lending, entrepreneurship, financial crisis, out-of-market lending, small business, stress tests

69.

Thrift Asset-Class Returns and the Efficient Diversification of Thrift Institution Portfolios

Journal of the American Real Estate and Urban Economics Association, Vol. 22 No. 1, Winter 1994
Number of pages: 27 Posted: 18 Jul 2001 Last Revised: 18 Nov 2008
Rebel A. Cole and Joseph McKenzie
Florida Atlantic University and Government of the United States of America - Federal Housing Finance Board (FHFB)
Downloads 64 (647,676)

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70.

When are Thrifts Closed? An Agency-Theoretic Model

Journal of Financial Services Research, Vol. 7, No. 4, 1993
Number of pages: 38 Posted: 18 Nov 2008
Rebel A. Cole
Florida Atlantic University
Downloads 57 (685,365)
Citation 1

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closure, deposit insurance, FHLBB, FSLIC, insolvency, OTS, principal-agent, savings & loan, S&L, thrift

71.

Changes in Reit Liquidity 1990-94: Evidence from Intra-Day Transactions

Board of Governors of the Federal Reserve System Finance and Economics Discussion Series FEDS Paper No. 96-22
Number of pages: 34 Posted: 26 Apr 1998 Last Revised: 18 Mar 2009
Rebel A. Cole, Vijay Bhasin and Joseph K. Kiely
Florida Atlantic University, Countrywide Financial Corporation and East Carolina University
Downloads 56 (691,138)
Citation 2

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72.

Balancing Act: Correcting for Data Imbalance in Bank Failure Prediction

Number of pages: 52 Posted: 13 May 2023
Rebel A. Cole and Jon Taylor
Florida Atlantic University and Florida Gulf Coast University - Department of Accounting, Finance & Business Law
Downloads 54 (702,726)

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banking crisis, bank failure, bank supervision, CAMELS, failure prediction, financial crisis, logit model, offsite monitoring

73.

Droughts’ Impact on Banks’ Lending in the US

Number of pages: 26 Posted: 12 May 2023
Artem Malinin, Pedro Monteiro and Rebel A. Cole
Florida Polytechnic Univeristy, University of Scranton - Kania School of Management and Florida Atlantic University
Downloads 47 (746,418)

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banks, droughts, farms, credit, loans, CRA,

74.

The Impact of Tax Law Changes on Bank Payout and Performance

Number of pages: 61 Posted: 03 Jul 2024
Florida Atlantic University, Independent, The Pennsylvania State University and Federal Reserve Board of Governors
Downloads 10 (1,074,523)

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S-Corporation, Taxation, Community Banking, Dividend Payout, Compensation, Bank Performance, Legal Form of Organization

75.

Toward an Assessment of the Reliability of Commercial Appraisals

Appraisal Journal, pp. 422-432, July 1986
Posted: 20 Mar 2008
Rebel A. Cole
Florida Atlantic University

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appraisal, commercial real estate, pension funds

76.

A Different Look at Commercial Real Estate Returns

AREUEA, Vol. 18, No. 4, pp. 403-430, 1990
Posted: 26 Feb 2008 Last Revised: 12 Oct 2010
Rebel A. Cole
Florida Atlantic University

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commercial real estate, efficiency, hedonic, transaction index

77.

Financial Services Used by Small Businesses: Evidence from the 1993 National Survey of Small Business Finances

Federal Reserve Bulletin, pp. 629-667, July 1995
Posted: 26 Feb 2008
Rebel A. Cole and John D. Wolken
Florida Atlantic University and Board of Governors of the Federal Reserve System

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banking, entrepreneurship, small business, ,SSBF

Other Papers (15)

Total Downloads: 1,838
1.

Bank Credit, Trade Credit or No Credit: Evidence from the Surveys of Small Business Finances

Number of pages: 49 Posted: 23 Jan 2010 Last Revised: 25 Aug 2018
Rebel A. Cole
Florida Atlantic University
Downloads 766 (73,837)

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availability of credit, bank credit, capital structure, entrepreneurship, relationships, small business, SSBF, trade credit

2.

The Direct Cost of Advice in M&A Transactions in the Financial Sector

Number of pages: 20 Posted: 20 Aug 2009 Last Revised: 25 Aug 2018
Rebel A. Cole, Kenneth R. Ferris and Arie Melnik
Florida Atlantic University, Arizona State University - School of Global Management and Leadership and University of Haifa - Department of Economics
Downloads 534 (54,756)

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advice, cost of advice, M&A, merger

3.

Entrepreneurial Overconfidence and SME Financing Decisions

Number of pages: 56 Posted: 10 Apr 2021 Last Revised: 29 Sep 2022
Rebel A. Cole, Marc Cowling and Wexi Liu
Florida Atlantic University, Oxford Brookes University and University of Bath - School of Management
Downloads 140

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Access to Credit, Credit Rationing, Entrepreneurship, Overconfidence, SME Finance

4.

The Role of Audit in Worldwide Access to Credit: Evidence from the World Bank Enterprise Surveys

Number of pages: 68 Posted: 13 Dec 2018 Last Revised: 13 May 2023
Rebel A. Cole and Tracie Frost
Florida Atlantic University and Hong Kong Polytechnic University
Downloads 83

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access to credit, audit, emerging markets, financial reporting quality, SMEs

5.

The Role of Religiosity in Loan Repayment in Microfinance Institutions

Number of pages: 35 Posted: 15 May 2023 Last Revised: 15 Apr 2024
Rebel A. Cole, Uliana Filatova and Sara Khaled
Florida Atlantic University, Florida Atlantic University and Florida Atlantic University - School of Accounting
Downloads 63

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Microcredit, MFI, Microfinance Institution, MIX, Loan Losses, Religiosity

6.

Macroeconomic Shocks and Bank Failure

27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 40 Posted: 22 Aug 2014 Last Revised: 06 Apr 2020
Rebel A. Cole and Qiongbing Wu
Florida Atlantic University and Western Sydney University
Downloads 52

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bank failure, failure prediction, hazard model, macroeconomic shocks

7.

The Effect of Collateral on Small Business Rationing of Term Loans and Lines of Credit

Number of pages: 53 Posted: 15 Oct 2022 Last Revised: 15 May 2023
Rebel A. Cole, Marc Cowling and Weixi Liu
Florida Atlantic University, Oxford Brookes University and University of Bath - School of Management
Downloads 49

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Collateral; SME lending; Lines of credit; Term Loans; Credit rationing

8.

Groundwater Contamination and Housing Prices: Evidence from a Jacksonville, MD Site

Number of pages: 22 Posted: 13 Aug 2019
Rebel A. Cole, Richard Roddewig and Charlie Brigden
Florida Atlantic University, Clarion Associates, Inc and Jones Lang LaSalle
Downloads 49

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groundwater contamination, hedonic regression, pollution, property values

9.

Explaining Multi-Family Property Foreclosures

Number of pages: 21 Posted: 19 Jul 2010 Last Revised: 03 Jan 2014
Susanne E. Cannon and Rebel A. Cole
DePaul University Department of Real Estate and Florida Atlantic University
Downloads 32

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Cook County, commercial real estate, financial crisis, foreclosure, multi-family

10.

Intellectual Property Licensing Among Incorporated and Unincorporated Entrepreneurs

Number of pages: 50 Posted: 23 Dec 2022 Last Revised: 20 Mar 2024
Christopher Boudreaux and Rebel A. Cole
Florida Atlantic University and Florida Atlantic University
Downloads 15

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Entrepreneurship, Incorporated, Innovation, Intellectual Property, Legal Form of Organization, Unincorporated

11.

Bank Lending to Rural vs. Urban Firms in the U.S. Before, During, and After the Great Financial Crisis

Number of pages: 70 Posted: 03 Oct 2018
Rebel A. Cole
Florida Atlantic University
Downloads 15

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availability of credit, bank credit, bank lending, credit crunch, discrimination, disparate impact, entrepreneurship, financial crisis, rural, small business, urban

12.

Commercial Property Sales in Hot and Cold Markets: Evidence from Four Decades of NCREIF Sales Data

Number of pages: 34 Posted: 18 Mar 2015 Last Revised: 14 Jun 2017
Rebel A. Cole and Susanne E. Cannon
Florida Atlantic University and DePaul University Department of Real Estate
Downloads 12

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commercial real estate, closed-end fund, commingled fund, imputation, liquidity, NCREIF, NPI, open-end fund, real estate cycle, separate account

13.

To Apply, or Not to Apply: The Role of Societal Trust in SME Financing Decisions in the Context of Economic Uncertainty

Number of pages: 53 Posted: 13 May 2023 Last Revised: 29 Feb 2024
Florida Atlantic University, Florida Atlantic University and Florida Atlantic University
Downloads 11

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borrower discouragement, SME financing, economic uncertainty, societal trust, WBES

14.

The Impact of the Deepwater Horizon Gulf Oil Spill on Gulf Coast Real Estate Markets

Number of pages: 21 Posted: 15 Aug 2019
Rebel A. Cole, Richard Roddewig and Charlie Brigden
Florida Atlantic University, Clarion Associates, Inc and Jones Lang LaSalle
Downloads 10

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Deepwater Horizon oil spill, hedonic regression, time series analysis, matched pairs analysis, property value, environmental contamination stigma, environmental disaster

15.

The Impact of the Dodd-Frank Act on Small Business

Number of pages: 45 Posted: 15 Aug 2019
Michael D. Bordo, Rebel A. Cole and John V. Duca
Rutgers University, New Brunswick - Department of Economics, Florida Atlantic University and Oberlin College
Downloads 7

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small business lending, business formation, regulation, Dodd-Frank, secular stagnation