Allen N. Berger

University of South Carolina - Darla Moore School of Business

H. Montague Osteen, Jr., Professor in Banking and Finance

1014 Greene St.

Columbia, SC 29208

United States

  • University of South Carolina - Darla Moore School of Business

    • Email
    • Tel: 803-576-8440
    • Fax: 803-777-6876
SCHOLARLY PAPERS

137

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142,083

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Rank 141

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3,986

Scholarly Papers (137)

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1.

Efficiency of Financial Institutions: International Survey and Directions for Future Research

Downloads 19,113 ( 369)
Citation 136

Efficiency of Financial Institutions: International Survey and Directions for Future Research

Number of pages: 75 Posted: 07 Apr 1997
Allen N. Berger and David B. Humphrey
University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance
Downloads 19,113 (362)
Citation 136

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Efficiency of Financial Institutions: International Survey and Directions for Future Research

European Journal of Operational Research 98, April 1997: 175-212
Posted: 15 Dec 1997
Allen N. Berger and David B. Humphrey
University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance

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2.

Problem Loans and Cost Efficiency in Commercial Banks

WFIC 96-01
Number of pages: 30 Posted: 17 Jan 1996
Allen N. Berger and Robert DeYoung
University of South Carolina - Darla Moore School of Business and University of Kansas School of Business
Downloads 16,481 (494)
Citation 118

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3.

The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle

Downloads 11,542 ( 923)
Citation 208

The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle

Number of pages: 69 Posted: 27 Nov 1998
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 11,542 (916)
Citation 208

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The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle

Journal of Banking and Finance, Volume 22, 1998, pp. 613-673
Posted: 26 Aug 1998
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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4.

Capital Structure and Firm Performance: A New Approach to Testing Agency Theory and an Application to the Banking Industry

Number of pages: 39 Posted: 26 Jun 2003
Allen N. Berger and Emilia Bonaccorsi di Patti
University of South Carolina - Darla Moore School of Business and Bank of Italy
Downloads 6,267 (2,562)
Citation 47

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Capital structure, agency costs, banking, efficiency

5.

The Consolidation of the Financial Services Industry: Causes, Consequences, and Implications for the Future

Downloads 3,482 ( 6,942)
Citation 81

The Consolidation of the Financial Services Industry: Causes, Consequences, and Implications for the Future

FRB of New York Staff Report No. 55
Number of pages: 69 Posted: 29 Nov 1998
Allen N. Berger, Philip E. Strahan and Rebecca S. Demsetz
University of South Carolina - Darla Moore School of Business, Boston College - Department of Finance and Data For Decisions LLC
Downloads 3,482 (6,815)
Citation 81

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banks, mergers, payments, small business

The Consolidation of the Financial Services Industry: Causes, Consequences, and Implications for the Future

Journal of Banking and Finance, Vol. 23, Issues 2/3/4, February 1999
Posted: 08 Feb 1999
Allen N. Berger, Philip E. Strahan and Rebecca S. Demsetz
University of South Carolina - Darla Moore School of Business, Boston College - Department of Finance and Data For Decisions LLC

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6.

Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance

Downloads 3,329 ( 7,479)
Citation 102

Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance

FRB Chicago Working Paper No. 1999-25
Number of pages: 116 Posted: 08 Feb 2000
Allen N. Berger, Robert DeYoung, Hesna Genay and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, University of Kansas School of Business, Federal Reserve Bank of Chicago and Indiana University - Kelley School of Business - Department of Finance
Downloads 3,329 (7,344)
Citation 102

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Globalization of Financial Institutions: Evidence from Cross-Border Banking Performance

Brookings-Wharton Papers, Vol. 3, 2000
Posted: 24 Mar 2000
Allen N. Berger, Robert DeYoung, Gregory F. Udell and Hesna Genay
University of South Carolina - Darla Moore School of Business, University of Kansas School of Business, Indiana University - Kelley School of Business - Department of Finance and Federal Reserve Bank of Chicago

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7.

Credit Scoring and the Availability, Price, and Risk of Small Business Credit

FRB of Atlanta Working Paper No. 2002-6, FEDS Working Paper No. 2002-26
Number of pages: 39 Posted: 23 Jun 2002
Allen N. Berger, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, Structured Finance Association and Georgetown University - McDonough School of Business
Downloads 2,878 (9,356)
Citation 59

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Banks, credit scoring, small business, risk

8.

The Roles of Corporate Governance in Bank Failures During the Recent Financial Crisis

Downloads 2,698 (10,437)
Citation 51

The Roles of Corporate Governance in Bank Failures During the Recent Financial Crisis

Number of pages: 43 Posted: 15 Mar 2012 Last Revised: 13 Oct 2014
Allen N. Berger, Björn Imbierowicz and Christian Rauch
University of South Carolina - Darla Moore School of Business, Deutsche Bundesbank - Research Centre and Umm Al Quwain University
Downloads 1,855 (18,625)
Citation 14

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Bank Default, Corporate Governance, Bank Regulation

The Roles of Corporate Governance in Bank Failures during the Recent Financial Crisis

European Banking Center Discussion Paper No. 2012-023
Number of pages: 48 Posted: 18 Oct 2012
Allen N. Berger, Björn Imbierowicz and Christian Rauch
University of South Carolina - Darla Moore School of Business, Deutsche Bundesbank - Research Centre and Umm Al Quwain University
Downloads 843 (58,827)
Citation 37

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Bank Default, Corporate Governance, Bank Regulation

9.

What is Fueling FinTech Lending? The Role of Banking Market Structure

Number of pages: 88 Posted: 16 Jul 2020 Last Revised: 29 Jun 2022
Tetyana Balyuk, Allen N. Berger and John Hackney
Emory University - Goizueta Business School, University of South Carolina - Darla Moore School of Business and University of South Carolina - Department of Finance
Downloads 2,468 (11,974)
Citation 40

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FinTech, in-market banks, large banks, lending technologies, out-of-market banks, small banks, small business lending

10.

A More Complete Conceptual Framework for Financing of Small and Medium Enterprises

World Bank Policy Research Working Paper No. 3795
Number of pages: 31 Posted: 11 Jan 2006
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 2,416 (12,391)
Citation 2

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SMEs, Banks, Relationship Lending, Governance, International.

11.

The Effects of Bank Mergers and Acquisitions on Small Business Lending

Board of Governors of the Federal Reserve System Finance and Economics Discussion Series No. 1997-28
Number of pages: 56 Posted: 26 Nov 1997
Allen N. Berger, Anthony Saunders, Joseph M. Scalise and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, New York University - Leonard N. Stern School of Business, University of Pennsylvania, Wharton School and Indiana University - Kelley School of Business - Department of Finance
Downloads 2,023 (16,461)
Citation 172

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12.

Corporate Governance and Bank Performance: A Joint Analysis of the Static, Selection, and Dynamic Effects of Domestic, Foreign, and State Ownership

World Bank Policy Research Working Paper No. 3632
Number of pages: 43 Posted: 22 Jul 2005
Allen N. Berger, George R. G. Clarke, Gregory F. Udell, Robert Cull and Leora F. Klapper
University of South Carolina - Darla Moore School of Business, Texas A&M International University - A.R. Sanchez Jr., School of Business, Indiana University - Kelley School of Business - Department of Finance, World Bank - Development Research Group (DECRG) and World Bank
Downloads 1,959 (17,334)
Citation 37

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Bank, governance, M&A, foreign acquisition, privatization

13.

Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

Downloads 1,907 (18,159)
Citation 90

Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

Number of pages: 36 Posted: 04 Oct 2001
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 1,907 (17,834)
Citation 90

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Banks, small business, mergers, relationship lending, organisational structure

Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

Posted: 03 Jan 2002
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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Banks, small business, mergers, relationship lending, organisational structure

14.

How Does Capital Affect Bank Performance During Financial Crises?

Journal of Financial Economics (JFE), Forthcoming
Number of pages: 53 Posted: 13 Jan 2011 Last Revised: 14 Jan 2013
Allen N. Berger and Christa H. S. Bouwman
University of South Carolina - Darla Moore School of Business and Texas A&M University
Downloads 1,896 (18,337)
Citation 20

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Financial Crises, Survival, Market Share, Profitability, Liquidity Creation, Banking

15.

Universal Banking and the Future of Small Business Lending

NYU Working Paper No. FIN-95-009
Number of pages: 66 Posted: 11 Nov 2008
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 1,728 (21,152)
Citation 21

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bank, universal, loan, collateral

16.

The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on Entry in the Banking Industry

Number of pages: 45 Posted: 08 Dec 1999
Allen N. Berger, Seth D. Bonime, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, PepsiCo, 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 1,725 (21,216)
Citation 35

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Entry, Bank, Mergers

17.

Bank Competition and Financial Stability

World Bank Policy Research Working Paper No. 4696
Number of pages: 27 Posted: 20 Apr 2016
Allen N. Berger, Leora F. Klapper and Rima Turk-Ariss
University of South Carolina - Darla Moore School of Business, World Bank and International Monetary Fund
Downloads 1,684 (21,978)
Citation 97

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Banks & Banking Reform, Debt Markets, Access to Finance, Markets and Market Access

18.

Financial Crises and Bank Liquidity Creation (This is an OLD WP that has been split into 2 parts: (1) How does Capital affect Bank Performance during Financial Crises (JFE, July 2013); and (2) Bank Liquidity Creation, Monetary Policy, and Financial Crises (WP 2012))

Number of pages: 53 Posted: 18 Aug 2008 Last Revised: 06 Jul 2013
Allen N. Berger and Christa H. S. Bouwman
University of South Carolina - Darla Moore School of Business and Texas A&M University
Downloads 1,677 (22,126)
Citation 295

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Financial Crises, Liquidity Creation, and Banking

19.

Bank Liquidity Creation Following Regulatory Interventions and Capital Support

Journal of Financial Intermediation, Forthcoming
Number of pages: 39 Posted: 11 Aug 2011 Last Revised: 06 Sep 2017
Allen N. Berger, Christa H. S. Bouwman, Thomas K. Kick and Klaus Schaeck
University of South Carolina - Darla Moore School of Business, Texas A&M University, Deutsche Bundesbank and University of Bristol
Downloads 1,536
Citation 97

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liquidity creation, bank distress, regulatory interventions, capital support, bailouts

20.

The Integration of the Financial Services Industry: Where are the Efficiencies?

Number of pages: 39 Posted: 04 Oct 2000
Allen N. Berger
University of South Carolina - Darla Moore School of Business
Downloads 1,533 (25,367)
Citation 13

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Banks, insurance, securities firms, mergers, efficiency, international finance

21.

Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?

Board of Governors of the Federal Reserve System Working Paper No. 1997-10
Number of pages: 59 Posted: 29 Nov 1998
Allen N. Berger and Loretta J. Mester
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Cleveland
Downloads 1,504 (26,079)
Citation 106

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22.

The Effects of Megamergers on Efficiency and Prices: Evidence from a Bank Profit Function

Downloads 1,471 (26,944)
Citation 128

The Effects of Megamergers on Efficiency and Prices: Evidence from a Bank Profit Function

Number of pages: 66 Posted: 05 Dec 1997
Jalal D. Akhavein, Allen N. Berger and David B. Humphrey
Fitch Ratings Inc., University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance
Downloads 1,471 (26,472)
Citation 128

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The Effects of Megamergers on Efficiency and Prices: Evidence from a Bank Profit Function

REVIEW OF INDUSTRIAL ORGANIZATION, Vol. 12, 1997
Posted: 22 Apr 1997
Jalal D. Akhavein, Allen N. Berger and David B. Humphrey
Fitch Ratings Inc., University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance

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23.

Bank Liquidity Creation (Previously titled 'The Measurement of Bank Liquidity Creation and the Effect of Capital')

Number of pages: 64 Posted: 26 Feb 2005 Last Revised: 17 Aug 2008
Allen N. Berger and Christa H. S. Bouwman
University of South Carolina - Darla Moore School of Business and Texas A&M University
Downloads 1,413 (28,634)
Citation 7

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Capital Structure, Liquidity Creation, Regulation, and Banking

24.

Lines of Credit and Relationship Lending in Small Firm Finance

Jerome Levy Economics Institute Working Paper No. 113
Number of pages: 39 Posted: 13 Oct 1998
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 1,392 (29,269)
Citation 9

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25.

Bank Ownership and Efficiency in China: What Will Happen in the World's Largest Nation?

Number of pages: 40 Posted: 16 Aug 2006
Allen N. Berger, Iftekhar Hasan and Mingming Zhou
University of South Carolina - Darla Moore School of Business, Fordham University and University of Colorado, Colorado Springs - College of Business
Downloads 1,361 (30,235)
Citation 34

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China, Banks, Efficiency, Foreign ownership

26.

Does Market Size Structure Affect Competition? The Case of Small Business Lending

Number of pages: 31 Posted: 14 Oct 2001
Allen N. Berger, Richard J. Rosen and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Chicago - Economic Research and Indiana University - Kelley School of Business - Department of Finance
Downloads 1,177 (37,319)
Citation 45

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Banks, small business, mergers, relationship lending, size structure, loan prices

27.

The Economic Effects of Technological Progress: Evidence from the Banking Industry

Number of pages: 43 Posted: 30 Oct 2002
Allen N. Berger
University of South Carolina - Darla Moore School of Business
Downloads 1,152 (38,487)
Citation 82

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technological progress, productivity, banks, mergers, efficiency

28.

Is a Friend in Need a Friend Indeed? How Relationship Borrowers Fare during the COVID-19 Crisis

Number of pages: 38 Posted: 28 Dec 2020 Last Revised: 31 May 2024
Allen N. Berger, Christa H. S. Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
University of South Carolina - Darla Moore School of Business, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, Indiana University - Kelley School of Business - Department of Finance and Board of Governors of the Federal Reserve System
Downloads 1,136 (39,301)
Citation 13

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Banks, relationship lending, loan contract terms, financial crises, COVID-19

29.

Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

Downloads 1,129 (39,685)
Citation 222

Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

Number of pages: 51 Posted: 26 Dec 2001
Allen N. Berger, Nathan Miller, Mitchell A. Petersen, Raghuram G. Rajan and Jeremy C. Stein
University of South Carolina - Darla Moore School of Business, Georgetown University - McDonough School of Business, Northwestern University - Kellogg School of Management, University of Chicago - Booth School of Business and Harvard University - Department of Economics
Downloads 971 (48,450)
Citation 10

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Functional form, organizational structure, distance, banking, soft information, hard information

Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

NBER Working Paper No. w8752
Number of pages: 51 Posted: 02 Feb 2002 Last Revised: 02 Dec 2022
Allen N. Berger, Nathan Miller, Mitchell A. Petersen, Raghuram G. Rajan and Jeremy C. Stein
University of South Carolina - Darla Moore School of Business, Georgetown University - McDonough School of Business, Northwestern University - Kellogg School of Management, University of Chicago - Booth School of Business and Harvard University - Department of Economics
Downloads 158 (380,793)
Citation 212

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Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 17 Nov 2009
Allen N. Berger, Nathan H. Miller, Mitchell A. Petersen, Raghuram G. Rajan and Jeremy C. Stein
University of South Carolina - Darla Moore School of Business, affiliation not provided to SSRN, Northwestern University - Kellogg School of Management, University of Chicago - Booth School of Business and affiliation not provided to SSRN

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FDIC Summary of Deposits, FDIC Consolidated Reports of Condition & Income, Survey of Small Business Finances (Federal Reserve Board), Banking industry, Bank loans, Banks, Credit, Startups, Credit discrimination, Information assessment, Lending policies, Public policies

30.

Internationalization and Bank Risk

Downloads 1,108 (40,843)
Citation 45

Internationalization and Bank Risk

Management Science
Number of pages: 57 Posted: 05 Nov 2014 Last Revised: 07 Mar 2023
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 810 (62,092)
Citation 14

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

Internationalization and Bank Risk

Federal Reserve Bank of Kansas City Working Paper No. 15-08
Number of pages: 56 Posted: 22 Nov 2015
Raluca A. Roman, Allen N. Berger, Sadok El Ghoul and Omrane Guedhami
Federal Reserve Bank of Philadelphia, University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean and University of South Carolina - Moore School of Business
Downloads 151 (395,937)
Citation 16

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

Internationalization and Bank Risk

Federal Reserve Bank of Kansas City Working Paper No. 15-08
Number of pages: 56 Posted: 18 Sep 2015
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 147 (404,887)
Citation 15

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Risk, Internationalization, Banking, Financial Crises, Corporate Governance

31.

How Do Large Banking Organizations Manage Their Capital Ratios?

Journal of Financial Services Research, Vol. 34, No. 2-3, 2008
Number of pages: 27 Posted: 27 Feb 2008 Last Revised: 06 Feb 2011
Allen N. Berger, Robert DeYoung, Mark J. Flannery, David K. Lee and Özde Öztekin
University of South Carolina - Darla Moore School of Business, University of Kansas School of Business, University of Florida - Department of Finance, Insurance and Real Estate, Government of the United States of America - Federal Deposit Insurance Corporation (FDIC) and Florida International University (FIU)
Downloads 1,075 (42,659)
Citation 9

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Banks, Capital management, Capital regulation, Partial adjustment models

32.

Small Business Credit Scoring and Credit Availability

Downloads 1,073 (42,754)
Citation 23

Small Business Credit Scoring and Credit Availability

FRB of Atlanta Working Paper No. 2005-10
Number of pages: 26 Posted: 14 Jun 2005
Allen N. Berger and W. Scott Frame
University of South Carolina - Darla Moore School of Business and Structured Finance Association
Downloads 1,073 (42,072)
Citation 23

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Banks, credit scoring, small business

Small Business Credit Scoring and Credit Availability

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 01 Dec 2009
Allen N. Berger and W. Scott Frame
University of South Carolina - Darla Moore School of Business and Structured Finance Association

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Credit ratings, Federal Reserve Bank of Atlanta, Secondary markets, Credit, Financial markets, Access to capital, Banking industry, Bank loans, Financial policies, Lending policies, Public policies

33.

Comparing Market and Supervisory Assessments of Bank Performance: Who Knows What When?

Downloads 1,018 (46,038)
Citation 6

Comparing Market and Supervisory Assessments of Bank Performance: Who Knows What When?

Number of pages: 43 Posted: 09 Oct 1998
Allen N. Berger, Sally M. Davies and Mark J. Flannery
University of South Carolina - Darla Moore School of Business, Board of Governors of the Federal Reserve System and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 1,018 (45,300)
Citation 6

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Comparing Market and Supervisory Assessments of Bank Performance: Who Knows What When?

Posted: 11 Jul 2000
Allen N. Berger, Sally M. Davies and Mark J. Flannery
University of South Carolina - Darla Moore School of Business, Board of Governors of the Federal Reserve System and University of Florida - Department of Finance, Insurance and Real Estate

Abstract:

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34.

The Effects of Geographic Expansion on Bank Efficiency

Downloads 1,008 (46,680)
Citation 41

The Effects of Geographic Expansion on Bank Efficiency

FEDS Working Paper No. 01-03, FRB Chicago Working Paper No. 2000-14
Number of pages: 44 Posted: 17 Jan 2001
Allen N. Berger and Robert DeYoung
University of South Carolina - Darla Moore School of Business and University of Kansas School of Business
Downloads 1,008 (45,940)
Citation 41

Abstract:

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Banks, efficiency, mergers, financial institutions

The Effects of Geographic Expansion on Bank Efficiency

Posted: 01 Oct 2001
Allen N. Berger and Robert DeYoung
University of South Carolina - Darla Moore School of Business and University of Kansas School of Business

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Banks, efficiency, mergers, financial institutions

35.

Economic Policy Uncertainty and Bank Liquidity Hoarding

Journal of Financial Intermediation, Forthcoming
Number of pages: 66 Posted: 06 Sep 2017 Last Revised: 23 Sep 2020
Allen N. Berger, Omrane Guedhami, Hugh Hoikwang Kim and Xinming Li
University of South Carolina - Darla Moore School of Business, University of South Carolina - Moore School of Business, University of South Carolina, Darla Moore School of Business and University of South Carolina, Darla Moore School of Business, Department of Finance
Downloads 999 (47,275)
Citation 94

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economic policy uncertainty, bank, liquidity creation

36.

The Ability of Banks to Lend to Informationally Opaque Small Businesses

Downloads 948 (50,828)
Citation 19

The Ability of Banks to Lend to Informationally Opaque Small Businesses

Number of pages: 47 Posted: 16 Feb 2001
Allen N. Berger, Leora F. Klapper and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, World Bank and Indiana University - Kelley School of Business - Department of Finance
Downloads 948 (50,014)
Citation 19

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The Ability of Banks to Lend to Informationally Opaque Small Businesses

Posted: 09 Sep 2001
Allen N. Berger, Leora F. Klapper and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, World Bank and Indiana University - Kelley School of Business - Department of Finance

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Banks, mergers, foreign ownership, financial distress, multiple lenders

37.

Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis

Journal of Political Economy (JPE), Forthcoming , European Corporate Governance Institute – Finance Working Paper No. 912/2023
Number of pages: 102 Posted: 20 Apr 2021 Last Revised: 09 Apr 2024
Allen N. Berger, Christa H. S. Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
University of South Carolina - Darla Moore School of Business, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, Indiana University - Kelley School of Business - Department of Finance and Board of Governors of the Federal Reserve System
Downloads 885 (55,992)

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Credit cards, household finance, consumers, small businesses, relationship lending, banks, credit terms, cross-sectional smoothing, financial crises, COVID-19, intertemporal smoothing

38.

Consistency Conditions for Regulatory Analysis of Financial Institutions: A Comparison of Frontier Efficiency Methods

Downloads 842 (59,825)
Citation 27

Consistency Conditions for Regulatory Analysis of Financial Institutions: A Comparison of Frontier Efficiency Methods

Number of pages: 43 Posted: 27 Nov 1998
Paul W. Bauer, Allen N. Berger, Gary D. Ferrier and David B. Humphrey
Federal Reserve Bank of Cleveland, University of South Carolina - Darla Moore School of Business, University of Arkansas, Fayetteville - Sam M. Walton College of Business and Florida State University - Department of Finance
Downloads 842 (58,906)
Citation 27

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Consistency Conditions for Regulatory Analysis of Financial Institutions: A Comparison of Frontier Efficiency Methods

Journal of Economics and Business, 1998
Posted: 18 May 1998
Paul W. Bauer, Allen N. Berger, Gary D. Ferrier and David B. Humphrey
Federal Reserve Bank of Cleveland, University of South Carolina - Darla Moore School of Business, University of Arkansas, Fayetteville - Sam M. Walton College of Business and Florida State University - Department of Finance

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39.

What Explains the Dramatic Changes in Cost and Profit Performance of the U.S. Banking Industry?

Working Paper No. 99-1
Number of pages: 48 Posted: 02 Apr 1999
Allen N. Berger and Loretta J. Mester
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Cleveland
Downloads 841 (59,931)
Citation 17

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40.

Debt Maturity, Risk, and Asymmetric Information

Downloads 834 (60,738)
Citation 47

Debt Maturity, Risk, and Asymmetric Information

Number of pages: 41 Posted: 24 Aug 2004
Allen N. Berger, Marco A. Espinosa-Vega, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, International Monetary Fund (IMF), Structured Finance Association and Georgetown University - McDonough School of Business
Downloads 654 (82,227)
Citation 12

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Debt maturity, risk, asymmetric information, banks, credit scoring

Debt Maturity, Risk, and Asymmetric Information

IMF Working Paper No. 05/201
Number of pages: 41 Posted: 30 Jun 2009
Marco A. Espinosa-Vega, Allen N. Berger, W. Scott Frame and Nathan H. Miller
International Monetary Fund (IMF), University of South Carolina - Darla Moore School of Business, Structured Finance Association and affiliation not provided to SSRN
Downloads 180 (339,673)
Citation 35

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Debt, Risk premium, Banks, Credit, Economic models

41.

Technological Progress and the Geographic Expansion of the Banking Industry

FEDS Discussion Paper No. 2002-31, FRB Chicago Working Paper No. 2002-07
Number of pages: 42 Posted: 29 Jul 2002
Allen N. Berger and Robert DeYoung
University of South Carolina - Darla Moore School of Business and University of Kansas School of Business
Downloads 773 (67,042)
Citation 35

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Banks, efficiency, mergers, productivity, technological progress

42.

To What Extent Will the Banking Industry Be Globalized? A Study of Bank Nationality and Reach in 20 European Nations

Number of pages: 38 Posted: 29 May 2002
Allen N. Berger, Qinglei Dai, Steven Ongena and David C. Smith
University of South Carolina - Darla Moore School of Business, Universidade Nova de Lisboa - Faculdade de Economia, University of Zurich - Department Finance and University of Virginia - McIntire School of Commerce
Downloads 759 (68,652)
Citation 32

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Bank, Globalization, Europe, Mergers

43.

Why are Bank Profits so Persistent? The Roles of Product Market Competition, Informational Opacity, and Regional/Macroeconomic Shocks

Number of pages: 37 Posted: 04 Aug 1999
Allen N. Berger, Seth D. Bonime, Daniel M. Covitz and Diana Hancock
University of South Carolina - Darla Moore School of Business, PepsiCo, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 751 (69,659)
Citation 16

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44.

Small and Medium-Sized Enterprises, Bank Relationship Strength, and the Use of Venture Capital

Journal of Money, Credit, and Banking, Vol. 43, pp. 461-490
Number of pages: 42 Posted: 17 Mar 2009 Last Revised: 08 Nov 2011
Allen N. Berger and Klaus Schaeck
University of South Carolina - Darla Moore School of Business and University of Bristol
Downloads 743 (70,688)
Citation 7

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relationship banking, small business financing, venture capital

45.

Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance

Downloads 725 (72,952)
Citation 6

Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance

Number of pages: 40 Posted: 27 Aug 2003
Allen N. Berger, Iftekhar Hasan and Leora F. Klapper
University of South Carolina - Darla Moore School of Business, Fordham University and World Bank
Downloads 725 (71,817)
Citation 6

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Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance

Posted: 05 Nov 2003
Allen N. Berger, Leora F. Klapper and Iftekhar Hasan
University of South Carolina - Darla Moore School of Business, World Bank and Fordham University

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Banks, community banking, SMEs, financial development, economic growth, international

46.

Lending Implications of U.S. Bank Stress Tests: Costs or Benefits?

Journal of Financial Intermediation, Forthcoming
Number of pages: 62 Posted: 24 May 2017 Last Revised: 18 Aug 2017
Viral V. Acharya, Viral V. Acharya, Allen N. Berger and Raluca A. Roman
New York University (NYU) - Leonard N. Stern School of Business, University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 719 (73,742)
Citation 86

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Bank Stress Tests, SCAP, CCAR, Regulatory Disclosure, Lending, Risk

47.

Bank Ownership and Efficiency in China: What Lies Ahead in the World's Largest Nation?

Bank of Finland Research Discussion Paper No. 16/2007
Number of pages: 50 Posted: 12 Oct 2007
Allen N. Berger, Mingming Zhou and Iftekhar Hasan
University of South Carolina - Darla Moore School of Business, University of Colorado, Colorado Springs - College of Business and Fordham University
Downloads 696 (76,884)
Citation 5

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China, foreign banks, efficiency, foreign ownership

48.

Bank Liquidity Creation, Monetary Policy, and Financial Crises

Number of pages: 48 Posted: 14 Nov 2011 Last Revised: 11 May 2012
Allen N. Berger and Christa H. S. Bouwman
University of South Carolina - Darla Moore School of Business and Texas A&M University
Downloads 689 (77,845)
Citation 41

Abstract:

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Monetary Policy, Financial Crises, Liquidity Creation, Banking

49.

Bank Ownership Type and Banking Relationships

World Bank Policy Research Working Paper No. 3862
Number of pages: 37 Posted: 20 Apr 2016
Allen N. Berger, Leora F. Klapper, Maria Soledad Martinez Peria and Rida Zaidi
University of South Carolina - Darla Moore School of Business, World Bank, International Monetary Fund (IMF) and Fitch Ratings Inc.
Downloads 680 (79,168)
Citation 14

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Banks & Banking Reform, Financial Intermediation, Financial Crisis Management & Restructuring, Banking Law, Economic Theory & Research

50.

The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit

Downloads 671 (80,511)
Citation 9

The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit

Number of pages: 29 Posted: 12 Sep 2001
Allen N. Berger, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, 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 542 (104,197)
Citation 5

Abstract:

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Bank, mergers, small business

The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit

NYU Working Paper No. EC-01-07
Number of pages: 30 Posted: 31 Oct 2008
Allen N. Berger, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, 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 129 (449,946)
Citation 4

Abstract:

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Bank, Mergers, Small Business

The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit

Posted: 12 Nov 2001
Allen N. Berger, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, 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

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Bank, mergers, small business

51.

Operational Risk Is More Systemic than You Think: Evidence from U.S. Bank Holding Companies

Journal of Banking & Finance, forthcoming
Number of pages: 71 Posted: 31 Jul 2018 Last Revised: 12 Jul 2022
Allen N. Berger, Filippo Curti, Atanas Mihov and John Sedunov
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Richmond - Quantitative Supervision & Research, University of Kansas and Villanova University - Department of Finance
Downloads 662 (81,888)
Citation 18

Abstract:

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Banking, Operational Risk, Systemic Risk

52.

Explaining the Dramatic Changes in Performance of U.S. Banks: Technological Change, Deregulation, and Dynamic Changes in Competition

FRB Philadelphia Working Paper No. 01-6
Number of pages: 43 Posted: 14 Sep 2001
Allen N. Berger and Loretta J. Mester
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Cleveland
Downloads 655 (83,027)
Citation 49

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Bank, productivity, efficiency, cost, profit

53.

Does Diversification Increase or Decrease Bank Risk and Performance? Evidence on Diversification and the Risk-Return Tradeoff in Banking

BOFIT Discussion Paper No. 9/2010
Number of pages: 56 Posted: 02 Aug 2010
Allen N. Berger, Iftekhar Hasan, Iikka Korhonen and Mingming Zhou
University of South Carolina - Darla Moore School of Business, Fordham University, Bank of Finland - Institute for Economies in Transition (BOFIT) and University of Colorado, Colorado Springs - College of Business
Downloads 647 (84,255)
Citation 9

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banks, diversification, focus, Russia, foreign ownership, scope economies

54.

Did TARP Reduce or Increase Systemic Risk? The Effects of Government Aid on Financial System Stability

Journal of Financial Intermediation, Forthcoming
Number of pages: 63 Posted: 30 Sep 2016 Last Revised: 12 Jan 2019
Allen N. Berger, Raluca A. Roman and John Sedunov
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Philadelphia and Villanova University - Department of Finance
Downloads 630 (87,250)
Citation 63

Abstract:

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Government Assistance, TARP, Banks, Systemic risk, Financial Crises.

55.

Did TARP Banks Get Competitive Advantages?

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 73 Posted: 28 May 2013 Last Revised: 15 Aug 2014
Allen N. Berger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 627 (87,755)
Citation 80

Abstract:

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TARP, Banks, Bailouts, Capital support, Competition

56.

Relationship Lending and Lines of Credit in Small Firm Finance

Downloads 613 (90,332)
Citation 25

Relationship Lending and Lines of Credit in Small Firm Finance

NYU Working Paper No. FIN-94-016
Number of pages: 53 Posted: 11 Nov 2008
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 613 (89,148)
Citation 25

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Relationship Lending and Lines of Credit in Small Firm Finance

JOURNAL OF BUSINESS, Vol 68 No 3, July 1995
Posted: 29 Aug 1998
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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Relationship Lending and Lines of Credit in Small Firm Finance

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 17 Nov 2009
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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U.S. National Survey of Small Business Finances, Lines of credit, Bank-borrower relations, Interest rates, Bank loans, Credit, Banks, Access to capital, Interest (finance), Collateral, Firm financing

57.

Conglomeration Versus Strategic Focus: Evidence from the Insurance Industry

July 1999
Number of pages: 48 Posted: 13 Mar 2000
Allen N. Berger, J David Cummins, Mary A. Weiss and Hongmin Zi
University of South Carolina - Darla Moore School of Business, Temple University - Risk Management & Insurance & Actuarial Science, Temple University and Hong-Ik University
Downloads 590 (94,882)
Citation 7

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58.

Bank Bailouts, Bail-Ins, or No Regulatory Intervention? A Dynamic Model and Empirical Tests of Optimal Regulation and Implications for Future Crises

Financial Management (FM), Forthcoming
Number of pages: 73 Posted: 24 May 2018 Last Revised: 08 Nov 2022
Allen N. Berger, Charles P. Himmelberg, Raluca A. Roman and Sergey Tsyplakov
University of South Carolina - Darla Moore School of Business, Goldman, Sachs & Co., Federal Reserve Bank of Philadelphia and University of South Carolina - Darla Moore School of Business
Downloads 542 (105,812)
Citation 11

Abstract:

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Banks, Bailouts, Bail-Ins, OLA, Bankruptcy, Regulation, Capital Structure, Crises

59.

Tests of Ex Ante Versus Ex Post Theories of Collateral Using Private and Public Information

Downloads 540 (106,037)
Citation 41

Tests of Ex Ante Versus Ex Post Theories of Collateral Using Private and Public Information

European Banking Center Discussion Paper No. 2010-01, CentER Discussion Paper Series No. 2010-13
Number of pages: 29 Posted: 19 Feb 2010
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Structured Finance Association and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 394 (152,671)
Citation 39

Abstract:

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Collateral, Asymmetric Information, Banks

Tests of Ex Ante versus Ex Post Theories of Collateral Using Private and Public Information

Federal Reserve Bank of Atlanta Working Paper Series No. 2010-6
Number of pages: 32 Posted: 29 Mar 2010
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Structured Finance Association and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 146 (407,170)
Citation 2

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collateral, asymmetric information, banks

60.

Bank Loan Supply Responses to Federal Reserve Emergency Liquidity Facilities

Journal of Financial Intermediation, Vol. 32, 2017
Number of pages: 54 Posted: 28 Apr 2014 Last Revised: 19 Feb 2018
Allen N. Berger, Lamont Black, Christa H. S. Bouwman and Jennifer Dlugosz
University of South Carolina - Darla Moore School of Business, DePaul University - Driehaus College of Business, Texas A&M University and Board of Governors of the Federal Reserve System
Downloads 534 (107,528)
Citation 25

Abstract:

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Banks, Discount Window, Term Auction Facility, Central Bank, Lending

61.

Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did it Matter to Bank Lending?

Downloads 529 (108,777)
Citation 7

Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did it Matter to Bank Lending?

Number of pages: 54 Posted: 13 Oct 2000
Allen N. Berger, Margaret K. Kyle and Joseph M. Scalise
University of South Carolina - Darla Moore School of Business, London Business School and University of Pennsylvania, Wharton School
Downloads 465 (125,492)
Citation 7

Abstract:

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Bank, lending, supervision, regulation, credit crunch

Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did it Matter to Bank Lending?

NBER Working Paper No. w7689
Number of pages: 56 Posted: 15 Mar 2010 Last Revised: 07 Jul 2022
Allen N. Berger, Margaret Kyle and Joseph M. Scalise
University of South Carolina - Darla Moore School of Business, University of Toulouse 1 - Toulouse School of Economics (TSE) and University of Pennsylvania, Wharton School
Downloads 64 (711,294)

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Did U.S. Bank Supervisors Get Tougher During the Credit Crunch? Did They Get Easier During the Banking Boom? Did it Matter to Bank Lending?

As published in PRUDENTIAL SUPERVISION: WHAT WORKS AND WHAT DOESN'T, Frederic S. Mishkin, ed., National Bureau of Economic Research, University of Chicago Press (Chicago, IL)
Posted: 22 Dec 2000
Allen N. Berger, Margaret K. Kyle and Joseph M. Scalise
University of South Carolina - Darla Moore School of Business, London Business School and University of Pennsylvania, Wharton School

Abstract:

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Bank, lending, supervision, regulation, credit crunch

62.

Corporate Capital Structure and Firm Value: International Evidence on the Special Roles of Bank Debt

Number of pages: 45 Posted: 07 Dec 2020 Last Revised: 16 Jan 2021
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Jiarui Guo
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and affiliation not provided to SSRN
Downloads 519 (111,567)
Citation 8

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Capital structure, banks, bank specialness, debt finance, debt intensity

63.

The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behavior

FEDS Working Paper No. 2003-02, BIS Working Paper No. 125
Number of pages: 39 Posted: 13 Dec 2005
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance
Downloads 515 (112,380)
Citation 81

Abstract:

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Banks, Lending, Business Cycles

64.

The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry

Downloads 509 (113,999)
Citation 16

The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry

Number of pages: 37 Posted: 28 Feb 2005
Allen N. Berger, Astrid Andrea Dick, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of New York, 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 432 (137,200)
Citation 7

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Banks, Community Banking, Bank Size, Multimarket Banks, Technological Progress

The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry

NYU Working Paper No. 2451/26096
Number of pages: 37 Posted: 13 Oct 2008
Allen N. Berger, Astrid Andrea Dick, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of New York, 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 77 (643,763)
Citation 9

Abstract:

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Banks, Community Banking, Bank Size, Multimarket Banks, Technological Progress

65.

Bank Sentiment and Liquidity Hoarding

Contemporary Accounting Research, Forthcoming
Number of pages: 61 Posted: 22 May 2020 Last Revised: 15 Mar 2024
Allen N. Berger, Hugh Hoikwang Kim and Xiaonan (Flora) Ma
University of South Carolina - Darla Moore School of Business, University of South Carolina, Darla Moore School of Business and affiliation not provided to SSRN
Downloads 506 (115,103)
Citation 2

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bank sentiment, liquidity hoarding, textual analysis, bank disclosure

66.

Did Saving Wall Street Really Save Main Street? The Real Effects of TARP on Local Economic Conditions

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 77 Posted: 27 May 2014 Last Revised: 09 Feb 2016
Allen N. Berger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 485 (120,755)
Citation 44

Abstract:

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TARP, Banks, Capital Support, Economic Conditions

67.

Bank Specialness, Credit Lines, and Loan Structure

Number of pages: 54 Posted: 26 Nov 2018 Last Revised: 14 Jan 2020
Allen N. Berger, Donghang Zhang and Yijia (Eddie) Zhao
University of South Carolina - Darla Moore School of Business, University of South Carolina and University of Massachusetts Boston - College of Management
Downloads 484 (121,064)
Citation 2

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Credit Lines, Institutional Term Loans, Syndicated Lending, Bank Specialness

68.

The Effects of Focus versus Diversification on Bank Performance: Evidence from Chinese Banks

BOFIT Discussion Paper No. 4/2010
Number of pages: 50 Posted: 25 Mar 2010
Allen N. Berger, Iftekhar Hasan and Mingming Zhou
University of South Carolina - Darla Moore School of Business, Fordham University and University of Colorado, Colorado Springs - College of Business
Downloads 467 (126,358)
Citation 57

Abstract:

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diversification, focus, efficiency, Chinese banking

69.

Bank Liquidity Creation and Real Economic Output

Journal of Banking and Finance, Forthcoming
Number of pages: 47 Posted: 29 Oct 2014 Last Revised: 19 Apr 2017
Allen N. Berger and John Sedunov
University of South Carolina - Darla Moore School of Business and Villanova University - Department of Finance
Downloads 464 (127,339)
Citation 51

Abstract:

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Banks, Liquidity Creation, GDP, Economic Output

70.

The Effects of Cultural Values on Bank Failures Around the World

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 67 Posted: 25 Aug 2017 Last Revised: 08 Nov 2019
Allen N. Berger, Xinming Li, Charles Morris and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of South Carolina, Darla Moore School of Business, Department of Finance, Federal Reserve Bank of Kansas City and Federal Reserve Bank of Philadelphia
Downloads 458 (129,330)
Citation 3

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Banking, Failure, Culture, Individualism, Masculinity, Risk

71.

The Paycheck Protection Program (PPP) from the Small Business Perspective: Did the PPP Help Alleviate Financial and Economic Constraints?

Number of pages: 45 Posted: 22 Sep 2021 Last Revised: 03 Jan 2023
Allen N. Berger, Paul G. Freed, Jonathan A. Scott and Siwen Zhang
University of South Carolina - Darla Moore School of Business, University of South Carolina - Department of Finance, Temple University - Department of Finance and University of South Carolina - Department of Finance
Downloads 453 (131,088)
Citation 5

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Small businesses, financial constraints, hiring, compensation, COVID-19, Paycheck Protection Program (PPP)

72.

Why Do Borrowers Pledge Collateral? New Empirical Evidence on the Role of Asymmetric Information

FRB of Atlanta Working Paper No. 2006-29a
Number of pages: 32 Posted: 09 Feb 2007
Allen N. Berger, Marco A. Espinosa-Vega, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, International Monetary Fund (IMF), Structured Finance Association and Georgetown University - McDonough School of Business
Downloads 450 (132,133)
Citation 31

Abstract:

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collateral, asymmetric information, banks, small business, credit scoring

73.

Geographic Deregulation and Bank Capital Structure

Journal of Banking and Finance, Vol. 149, No. 106761, 2023
Number of pages: 51 Posted: 24 May 2018 Last Revised: 19 Aug 2023
Allen N. Berger, Özde Öztekin and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Florida International University (FIU) and Federal Reserve Bank of Philadelphia
Downloads 426 (140,974)
Citation 11

Abstract:

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Competition, Deregulation, Banking, Capital Structure, Adjustment Speed

74.

Do Depositors Discipline Banks and Did Government Actions During the Recent Crisis Reduce this Discipline? An International Perspective

Journal of Financial Services Research, Forthcoming
Number of pages: 43 Posted: 11 Nov 2010 Last Revised: 09 Jul 2014
Allen N. Berger and Rima Turk-Ariss
University of South Carolina - Darla Moore School of Business and International Monetary Fund
Downloads 426 (140,974)
Citation 15

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Market Discipline, Depositor Discipline, Banks

75.

Bank Liquidity Creation and Risk Taking During Distress

Bundesbank Series 2 Discussion Paper No. 2010,05
Number of pages: 60 Posted: 08 Jun 2016
Allen N. Berger, Christa H. S. Bouwman, Thomas K. Kick and Klaus Schaeck
University of South Carolina - Darla Moore School of Business, Texas A&M University, Deutsche Bundesbank and University of Bristol
Downloads 390 (155,889)
Citation 7

Abstract:

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Liquidity creation, bank distress, regulatory interventions, capital injections

76.

The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk

Federal Reserve Bank of Atlanta Working Paper 2009-9
Number of pages: 25 Posted: 17 Jul 2009
Allen N. Berger, Adrian Cowan and W. Scott Frame
University of South Carolina - Darla Moore School of Business, Saint Mary's University of San Antonio and Structured Finance Association
Downloads 389 (156,325)
Citation 19

Abstract:

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banks, small business, credit scoring

77.

The Life Cycle of Systemic Risk and Crises

Journal of Money, Credit, and Banking
Number of pages: 43 Posted: 06 Feb 2022 Last Revised: 01 Nov 2023
Allen N. Berger and John Sedunov
University of South Carolina - Darla Moore School of Business and Villanova University - Department of Finance
Downloads 379 (160,941)

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Banks, Systemic Risk, Financial Crises, Real Economy, Financial Markets, Bailouts, TARP, COVID-19

78.

Obstacles to a Global Banking System: 'Old Europe' Versus 'New Europe'

Number of pages: 26 Posted: 19 Aug 2006
Allen N. Berger
University of South Carolina - Darla Moore School of Business
Downloads 379 (160,941)
Citation 9

Abstract:

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Banks, Europe, Globalization, Cross-border

79.

Climate Risks in the U.S. Banking Sector: Evidence from Operational Losses and Extreme Storms

Downloads 371 (164,831)

Climate Risks in the U.S. Banking Sector: Evidence from Operational Losses and Extreme Storms

Number of pages: 61 Posted: 11 Dec 2022
Allen N. Berger, Filippo Curti, Nika Lazaryan, Atanas Mihov and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Richmond - Quantitative Supervision & Research, Federal Reserve Banks - Federal Reserve Bank of Richmond, University of Kansas and Federal Reserve Bank of Philadelphia
Downloads 231 (268,403)

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Operational Losses, Banking, Bank Holding Companies, Natural Disasters, Climate Risk, Hurricanes, Tornadoes, Severe Thunderstorms

Climate Risks in the U.S. Banking Sector: Evidence from Operational Losses and Extreme Storms

FRB of Philadelphia Working Paper No. 21-31
Number of pages: 62 Posted: 20 Dec 2023
Allen N. Berger, Filippo Curti, Nika Lazaryan, Atanas Mihov and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Richmond - Quantitative Supervision & Research, Federal Reserve Banks - Federal Reserve Bank of Richmond, University of Kansas and Federal Reserve Bank of Philadelphia
Downloads 140 (421,193)

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Operational Losses, Banking, Bank Holding Companies, Natural Disasters, Climate Risk, Hurricanes, Tornadoes, Severe Thunderstorms

80.

Universal Banking Powers and Liquidity Creation

Number of pages: 41 Posted: 05 Jan 2022 Last Revised: 16 Feb 2024
Allen N. Berger, Omrane Guedhami, Destan Kirimhan, Xinming Li and Daxuan Zhao
University of South Carolina - Darla Moore School of Business, University of South Carolina - Moore School of Business, American University of Sharjah (AUS), University of South Carolina, Darla Moore School of Business, Department of Finance and Renmin University of China - School of Business
Downloads 355 (173,066)
Citation 4

Abstract:

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Universal banks, Universal banking powers, Liquidity creation, International finance, International regulatory arbitrage

81.

The Many Facets of Bank Competition: Evidence from An Extraordinary Dataset

Number of pages: 48 Posted: 09 Feb 2022 Last Revised: 01 Aug 2022
Allen N. Berger, Troy A. Kravitz and Lynn Shibut
University of South Carolina - Darla Moore School of Business, FDIC, Division of Insurance and Research and affiliation not provided to SSRN
Downloads 343 (179,656)

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bank competition, deposits, relationships

82.

Expanding the Bank Liquidity Creation Concept: Bank Capital and Secondary Market Loan Liquidity

Number of pages: 55 Posted: 09 Jun 2020 Last Revised: 07 Jul 2021
Allen N. Berger, Donghang Zhang and Yijia (Eddie) Zhao
University of South Carolina - Darla Moore School of Business, University of South Carolina and University of Massachusetts Boston - College of Management
Downloads 343 (179,656)

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Bank liquidity creation, bank capital, syndicated loans, secondary loan market

83.

Market Size Structure and Small Business Lending: Are Crisis Times Different from Normal Times?

Review of Finance, Forthcoming
Number of pages: 39 Posted: 08 May 2013 Last Revised: 22 Sep 2014
Allen N. Berger, Geraldo Cerqueiro and María Fabiana Penas
University of South Carolina - Darla Moore School of Business, Catolica-Lisbon SBE and Universidad Torcuato Di Tella
Downloads 337 (183,119)
Citation 23

Abstract:

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Banks, Bank size, Small business, Start-ups, Financial crisis

84.

Liquidity Creation Performance and Financial Stability Consequences of Islamic Banking: Evidence from a Multinational Study

Number of pages: 55 Posted: 11 Nov 2018 Last Revised: 08 May 2019
Allen N. Berger, Narjess Boubakri, Omrane Guedhami and Xinming Li
University of South Carolina - Darla Moore School of Business, American University of Sharjah - School of Business and Management, University of South Carolina - Moore School of Business and University of South Carolina, Darla Moore School of Business, Department of Finance
Downloads 335 (184,277)
Citation 4

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Islamic Banks; Bank Liquidity Creation; Financial Stability

85.

Does Debtor Protection Really Protect Debtors? Evidence from the Small Business Credit Market

AFA 2009 San Francisco Meetings Paper, EFA 2009 Bergen Meetings Paper
Number of pages: 42 Posted: 19 Mar 2008 Last Revised: 27 Mar 2014
Allen N. Berger, Geraldo Cerqueiro and María Fabiana Penas
University of South Carolina - Darla Moore School of Business, Catolica-Lisbon SBE and Universidad Torcuato Di Tella
Downloads 326 (189,738)
Citation 14

Abstract:

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Debtor protection, bankruptcy, small business, credit availability, agency problems

86.

The Benefits and Costs of the Tarp Bailouts: A Critical Assessment

The Benefits and Costs of the TARP Bailouts: A Critical Assessment, Quarterly Journal of Finance 8 (June 2018), Forthcoming
Number of pages: 32 Posted: 01 May 2018
Allen N. Berger
University of South Carolina - Darla Moore School of Business
Downloads 322 (192,220)
Citation 3

Abstract:

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TARP, Banks, Bailouts, Financial Crises

87.

Whose Bailout Is It Anyway? The Roles of Politics in PPP Bailouts of Small Businesses vs. Banks

Journal of Financial Intermediation, Forthcoming
Number of pages: 54 Posted: 16 Sep 2021 Last Revised: 12 Jul 2023
Allen N. Berger, Mustafa U. Karakaplan and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of South Carolina, Darla Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 319 (194,096)
Citation 4

Abstract:

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politics, political influences, political economy, mediation analysis, bailouts, PPP, small businesses, banks, bank profitability, COVID-19 crisis.

88.

Geographic Deregulation and Banks’ Cost of Equity Capital

Journal of International Money and Finance
Number of pages: 60 Posted: 03 Dec 2018 Last Revised: 07 Mar 2023
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and Federal Reserve Bank of Philadelphia
Downloads 317 (195,387)

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Bank Deregulation, Cost of Equity Capital, Risk, Acquisitions, M&As, Market Discipline.

89.

Catch, Restrict, and Release: The Real Story of Bank Bailouts

Swiss Finance Institute Research Paper No. 20-45
Number of pages: 58 Posted: 04 Jun 2020 Last Revised: 18 Apr 2024
Allen N. Berger, Simona Nistor, Steven Ongena and Sergey Tsyplakov
University of South Carolina - Darla Moore School of Business, Babes-Bolyai University - Department of Finance, University of Zurich - Department Finance and University of South Carolina - Darla Moore School of Business
Downloads 315 (196,747)
Citation 5

Abstract:

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bailout, debt guarantees, capital injections, bailout restrictions, regulatory restriction phase, restriction duration

90.

Does Efficiency Help Banks Survive and Thrive during Financial Crises?

Journal of Banking and Finance, 2019, Vol. 106, 445-460.
Number of pages: 55 Posted: 18 May 2017 Last Revised: 29 Sep 2019
Albert Assaf, Allen N. Berger, Raluca A. Roman and Mike Tsionas
University of Massachusetts Amherst, University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Philadelphia and Lancaster University
Downloads 298 (208,849)
Citation 15

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Banking, Efficiency, Financial Crises, Performance, Survival, Risk, Profitability

91.

The Effects of Bank Mergers and Acquisitions on Small Business Lending

Downloads 298 (208,849)

The Effects of Bank Mergers and Acquisitions on Small Business Lending

NYU Working Paper No. FIN-98-007
Number of pages: 47 Posted: 07 Nov 2008
Allen N. Berger, Anthony Saunders, Joseph M. Scalise and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, New York University - Leonard N. Stern School of Business, University of Pennsylvania, Wharton School and Indiana University - Kelley School of Business - Department of Finance
Downloads 228 (271,744)

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Bank, Mergers, Small Business

The Effects of Bank Mergers and Acquisitions on Small Business Lending

NYU Working Paper No. FIN-97-001
Number of pages: 52 Posted: 04 Nov 2008
Allen N. Berger, Anthony Saunders, Joseph M. Scalise and Gregory F. Udell
University of South Carolina - Darla Moore School of Business, New York University - Leonard N. Stern School of Business, University of Pennsylvania, Wharton School and Indiana University - Kelley School of Business - Department of Finance
Downloads 70 (678,580)

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The Effects of Bank Mergers and Acquisitions on Small Business Lending

Journal of Financial Economics, Vol. 50, November 1998
Posted: 12 Nov 1998
Allen N. Berger, Anthony Saunders, Gregory F. Udell and Joseph M. Scalise
University of South Carolina - Darla Moore School of Business, New York University - Leonard N. Stern School of Business, Indiana University - Kelley School of Business - Department of Finance and University of Pennsylvania, Wharton School

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92.

Bank Sentiment, Loan Loss Provisioning, and Lending

Number of pages: 46 Posted: 19 Mar 2024 Last Revised: 23 Jan 2025
Junsung Bae, Allen N. Berger, Hyun-Soo Choi and Hugh Hoikwang Kim
College of Business, Korea Advanced Institute of Science and Technology (KAIST), University of South Carolina - Darla Moore School of Business, College of Business, Korea Advanced Institute of Science and Technology (KAIST) and University of South Carolina, Darla Moore School of Business
Downloads 296 (210,320)

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bank sentiment, loan loss provision, lending, textual analysis, banking industry, financial disclosure

93.

The Impacts of Competition on Bank Risk: Evidence from Geographic Bank Deregulation

Number of pages: 49 Posted: 23 Aug 2019 Last Revised: 01 Mar 2022
Allen N. Berger, Sadok El Ghoul, Omrane Guedhami and Herman Saheruddin
University of South Carolina - Darla Moore School of Business, University of Alberta - Campus Saint-Jean, University of South Carolina - Moore School of Business and University of South Carolina - Department of Finance
Downloads 296 (210,320)
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Deregulation, Risk, Intrastate Branching, Interstate Banking, Interstate Branching, Diversification, Competition.

94.

Government Guarantees and Bank Liquidity Creation Around the World

Number of pages: 54 Posted: 22 Jan 2021 Last Revised: 03 Dec 2023
Allen N. Berger, Xinming Li, Herman Saheruddin and Daxuan Zhao
University of South Carolina - Darla Moore School of Business, University of South Carolina, Darla Moore School of Business, Department of Finance, University of South Carolina - Department of Finance and Renmin University of China - School of Business
Downloads 292 (213,230)

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Banks, Government Guarantees, Liquidity Creation

95.

Executive Board Composition and Bank Risk Taking

Bundesbank Discussion Paper No. 03/2012
Number of pages: 80 Posted: 21 Jun 2016
Allen N. Berger, Thomas K. Kick and Klaus Schaeck
University of South Carolina - Darla Moore School of Business, Deutsche Bundesbank and University of Bristol
Downloads 287 (217,152)
Citation 123

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Banks, executives, risk taking, age, gender, education

96.

Financial Intermediation Services and Competition Analyses: Review and Paths Forward for Improvement

Journal of Financial Intermediation
Number of pages: 34 Posted: 20 Oct 2022 Last Revised: 17 Jan 2024
Allen N. Berger and Arnoud W. A. Boot
University of South Carolina - Darla Moore School of Business and University of Amsterdam - Amsterdam Business School
Downloads 279 (223,617)
Citation 16

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Competition, Financial Intermediation, Banks, FinTech, BigTech, DeFi

97.

“Strings Attached” Versus “No Strings?” A Tale of Two Bailouts and Their Impacts on Subprime Consumer Debt

Downloads 273 (228,485)
Citation 1

“Strings Attached” Versus “No Strings?” A Tale of Two Bailouts and Their Impacts on Subprime Consumer Debt

Number of pages: 57 Posted: 30 Aug 2021 Last Revised: 09 Mar 2024
Allen N. Berger, Onesime Epouhe and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 204 (302,353)
Citation 1

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households, financial constraints, subprime debt, consumer finance, banking, bailouts, strings attached, TARP, PPP, Global Financial Crisis, COVID-19 Crisis

A Tale of Two Bailouts: Effects of TARP and PPP on Subprime Consumer Debt

FRB of Philadelphia Working Paper No. 21-32
Number of pages: 70 Posted: 24 Sep 2021
Allen N. Berger, Onesime Epouhe and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 69 (683,865)

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Household Debt, Subprime Consumer Debt, Banking, Bailouts, TARP, PPP, Financial

98.

Supervisory Enforcement Actions against Banks and Systemic Risk

Journal of Banking and Finance, Forthcoming
Number of pages: 57 Posted: 10 Nov 2020 Last Revised: 06 Jul 2021
Allen N. Berger, Jin Cai, Raluca A. Roman and John Sedunov
University of South Carolina - Darla Moore School of Business, Sacred Heart University, Federal Reserve Bank of Philadelphia and Villanova University - Department of Finance
Downloads 260 (240,015)
Citation 14

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Enforcement actions, banks, systemic risk, leverage risk, financial crises

99.

Do Business Borrowers Benefit from Bank Bailouts? - The Effects of TARP on Loan Contract Terms

Financial Management, 2019, Vol. 48, 575-639.
Number of pages: 63 Posted: 24 Feb 2016 Last Revised: 10 Nov 2022
Allen N. Berger, Tanakorn Makaew and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Southern California and Federal Reserve Bank of Philadelphia
Downloads 257 (242,869)
Citation 12

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Bailouts, TARP, Bank Loans, Loan Contracting, Contract Terms, Financial Crisis

100.

Banking Research in the Time of COVID-19

Journal of Financial Stability, Forthcoming
Number of pages: 82 Posted: 10 Sep 2021 Last Revised: 23 Sep 2021
Allen N. Berger and Asli Demirgüç-Kunt
University of South Carolina - Darla Moore School of Business and World Bank
Downloads 232 (268,729)
Citation 33

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Banks, financial crises, COVID-19, bailouts, Paycheck Protection Program, Global Financial Crisis, TARP

101.

The Dymanics of Market Entry: The Effects of Mergers and Acquisitions on De Novo Entry and Small Business Lending in the Banking Industry,

NYU Working Paper No. EC-99-13
Number of pages: 52 Posted: 03 Nov 2008
Allen N. Berger, Seth D. Bonime, Lawrence G. Goldberg, Lawrence J. White and Lawrence J. White
University of South Carolina - Darla Moore School of Business, PepsiCo, 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 231 (269,816)
Citation 1

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Entry, Barriers to Entry, Bank, Mergers, Small Business

102.

Does it Pay to Have Friends? - Social Ties and Executive Appointments in Banking

Downloads 212 (292,773)
Citation 10

Does it Pay to Have Friends? - Social Ties and Executive Appointments in Banking

Journal of Banking and Finance, Vol. 37, pp. 2087-2105
Number of pages: 54 Posted: 23 Aug 2012 Last Revised: 12 Mar 2014
Allen N. Berger, Thomas K. Kick, Michael Koetter and Klaus Schaeck
University of South Carolina - Darla Moore School of Business, Deutsche Bundesbank, Halle Institute for Economic Research and University of Bristol
Downloads 165 (366,830)
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social networks, executive careers, banking, corporate governance

Does it Pay to Have Friends? Social Ties and Executive Appointments in Banking

Bundesbank Series 2 Discussion Paper No. 2011,18
Number of pages: 60 Posted: 08 Jun 2016
Allen N. Berger, Thomas K. Kick, Michael Koetter and Klaus Schaeck
University of South Carolina - Darla Moore School of Business, Deutsche Bundesbank, Halle Institute for Economic Research and University of Bristol
Downloads 47 (822,767)
Citation 7

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Social networks, executive careers, banking, corporate governance

103.

Who Wins and Who Loses from Bank Geographic Deregulation? Analysis of Financially Constrained and Unconstrained Firms

Journal of Corporate Finance
Number of pages: 55 Posted: 12 Jun 2018 Last Revised: 07 Mar 2023
Allen N. Berger, Ruiyuan (Ryan) Chen, Sadok El Ghoul and Omrane Guedhami
University of South Carolina - Darla Moore School of Business, West Virginia University, University of Alberta - Campus Saint-Jean and University of South Carolina - Moore School of Business
Downloads 209 (296,655)
Citation 11

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Bank Deregulation, Economic Growth, Financial Constraints, Large Firms, Small Firms

104.

Do Small Businesses Still Prefer Community Banks?

FRB International Finance Discussion Paper No. 1096
Number of pages: 34 Posted: 03 Jan 2014
Allen N. Berger, William Goulding and Tara Rice
University of South Carolina - Darla Moore School of Business, Massachusetts Institute of Technology (MIT) - Sloan School of Management and Bank for International Settlements (BIS)
Downloads 195 (316,409)
Citation 22

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banks, relationships, small business, government policy

105.

Taxation and Bank Liquidity Creation

Number of pages: 43 Posted: 27 Mar 2023 Last Revised: 26 Mar 2024
Allen N. Berger, Dimitris K. Chronopoulos, Anna L. Sobiech and John O. S. Wilson
University of South Carolina - Darla Moore School of Business, University of St. Andrews - School of Management, University of Cologne - Center for Macroeconomic Research (CMR) and University of St. Andrews
Downloads 194 (317,906)

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Bank liquidity creation, Bank Capital, Taxes, Japanese Banks

106.

'Let Us Put Our Moneys Together:' Minority-Owned Banks and Resilience to Crises

Number of pages: 56 Posted: 30 Sep 2022 Last Revised: 29 Feb 2024
Allen N. Berger, Maryann Feldman, W. Scott Langford and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Arizona State University (ASU), School of Public Affairs - Arizona State University and Federal Reserve Bank of Philadelphia
Downloads 189 (325,608)

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minority-owned banks, minorities, shared identity, minority employment, bank credit, crises, economic resilience

107.

Reexamining the Empirical Relation between Loan Risk and Collateral: The Role of the Economic Characteristics of Collateral

European Banking Center Discussion Paper No. 2012-020, CentER Discussion Paper Series No. 2012-078
Number of pages: 34 Posted: 24 Sep 2012
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Structured Finance Association and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 178 (343,711)
Citation 2

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Collateral, Asymmetric Information, Banks

108.

The Effects of Banks on 'Debt-Sensitive' Small Businesses

Number of pages: 39 Posted: 02 Aug 2006
Allen N. Berger and Philip Ostromogolsky
University of South Carolina - Darla Moore School of Business and Yale University
Downloads 166 (365,199)
Citation 1

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Banks, Small Business, Concentration, Community Banking, Efficiency

109.

Do “Too-Big-To-Fail” Banks Receive Preferential Treatment in Bailouts? Surprising Results from a Cross-Country Analysis

Swiss Finance Institute Research Paper No. 24-11
Number of pages: 62 Posted: 05 Feb 2024 Last Revised: 02 May 2024
Allen N. Berger, Simona Nistor, Steven Ongena and Sergey Tsyplakov
University of South Carolina - Darla Moore School of Business, Babes-Bolyai University - Department of Finance, University of Zurich - Department Finance and University of South Carolina - Darla Moore School of Business
Downloads 154 (389,272)
Citation 1

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Banks, Bailouts, Too-Big-To-Fail, European Union, G-SIBs

110.

Supply and Demand Effects of Bank Bailouts: Depositors Need Not Apply and Need Not Run

Journal of Money, Credit, and Banking (JMCB), Forthcoming
Number of pages: 61 Posted: 02 Dec 2020 Last Revised: 31 Oct 2022
Allen N. Berger, Martien Lamers, Raluca A. Roman and Koen J. L. Schoors
University of South Carolina - Darla Moore School of Business, Ghent University - Faculty of Economics and Business Administration, Federal Reserve Bank of Philadelphia and Ghent University - Centre for Russian International Socio-Political and Economic Studies (CERISE)
Downloads 135 (432,554)

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Bailouts, Financial Crises, Global Financial Crisis, Market Discipline, Depositor Behavior, Bank Runs, Bank Deposit Funding.

111.

Who Pays for Financial Crises? Price and Quantity Rationing of Different Borrowers by Domestic and Foreign Banks

Downloads 127 (453,815)

Who Pays for Financial Crises? Price and Quantity Rationing of Different Borrowers by Domestic and Foreign Banks

Number of pages: 48 Posted: 10 Oct 2017 Last Revised: 14 May 2019
Allen N. Berger, Tanakorn Makaew and Rima Turk-Ariss
University of South Carolina - Darla Moore School of Business, University of Southern California and International Monetary Fund
Downloads 71 (673,484)

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Credit Rationing, Foreign Banks, Financial Crises, Relationship Lending

Who Pays for Financial Crises? Price and Quantity Rationing of Different Borrowers by Domestic and Foreign Banks

IMF Working Paper No. 18/158
Number of pages: 48 Posted: 01 Aug 2018
Allen N. Berger, Rima Turk-Ariss and Tanakorn Makaew
University of South Carolina - Darla Moore School of Business, International Monetary Fund and University of Southern California
Downloads 56 (759,628)

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Central banks and their policies, Western Hemisphere, Chile, Monetary policy, Credit Rationing, Foreign Banks, Financial Crises, Relationship Lending, central bank communication, central bank predictability, Financial Markets and the Macroeconomy, General, inflation forecast dispersion, Monetary Policy (Targets, Instruments, and Effects), monetary policy shocks, proxy VAR

112.

Reexamining the Empirical Relation between Loan Risk and Collateral: The Roles of Collateral Characteristics and Types

FRB Atlanta Working Paper No. 2011-12
Number of pages: 25 Posted: 10 Aug 2017
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Structured Finance Association and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 121 (471,043)
Citation 16

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Collateral, Asymmetric Information, Banks

113.

Piercing Through the Haze: Did PPP Increase Versus Decrease Bank Efficiency?

Downloads 105 (523,401)

Piercing Through the Haze: Did PPP Increase Versus Decrease Bank Efficiency?

Number of pages: 49 Posted: 09 May 2023 Last Revised: 30 Sep 2023
Allen N. Berger, Cristina Ortega and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Malaga and Federal Reserve Bank of Philadelphia
Downloads 82 (620,809)

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Paycheck Protection Program, PPP, bank efficiency, profit efficiency, cost efficiency, bank deposits, lending, labor market.

Piercing Through the Haze Did PPP Increase Versus Decrease Bank Efficiency?

Number of pages: 51 Posted: 20 Jul 2023
Allen N. Berger, Cristina Ortega and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Malaga and Federal Reserve Bank of Philadelphia
Downloads 23 (1,050,573)

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Paycheck Protection Program, PPP, bank efficiency, profit efficiency, cost efficiency, bank deposits, lending, labor market.

114.

Alerting Banks to Climate Risks: Impact of Bad Air Quality Shocks on Pricing Loans for Brown Firms

Number of pages: 36 Posted: 12 Aug 2024
Allen N. Berger, Hyun-Soo Choi, Hugh Hoikwang Kim and Yun-Soo Kim
University of South Carolina - Darla Moore School of Business, College of Business, Korea Advanced Institute of Science and Technology (KAIST), University of South Carolina, Darla Moore School of Business and College of Business, Korea Advanced Institute of Science and Technology (KAIST)
Downloads 103 (530,575)

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JEL classification: G21, Q53, Q54 climate finance, banking, air quality, risk awareness

115.

Social Trust, Bank Liquidity Creation, and Financial System Architecture

Number of pages: 47 Posted: 21 Dec 2023
Allen N. Berger, Omrane Guedhami, Xinming Li and Ying Zheng
University of South Carolina - Darla Moore School of Business, University of South Carolina - Moore School of Business, University of South Carolina, Darla Moore School of Business, Department of Finance and Bryant University
Downloads 95 (560,057)
Citation 1

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Bank Liquidity Creation, Social Trust, Financial System Architecture

116.

Bank Size and Household Financial Sentiment: Surprising Evidence from University of Michigan Surveys of Consumers

Leeds University Business School Working Paper No. 18-13, Journal of Money, Credit, and Banking (JMCB), 2020, Vol. 52, pp.149-191.
Number of pages: 57 Posted: 24 Jun 2018 Last Revised: 10 Nov 2022
Allen N. Berger, Felix Irresberger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Durham University and Federal Reserve Bank of Philadelphia
Downloads 95 (560,057)
Citation 3

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Households, Financial Constraints, Financial Sentiment, Small Banks, Large Banks, Banking Market Structure

117.

Relationship Lending and Monetary Policy Shocks: Evidence from the U.S.

Number of pages: 37 Posted: 07 Oct 2024
Allen N. Berger, Christa Bouwman, Lars Norden, Raluca A. Roman, Gregory F. Udell and Teng Wang
University of South Carolina - Darla Moore School of Business, Texas A&M University, Getulio Vargas Foundation (FGV) - Brazilian School of Public and Business Administration (EBAPE), Federal Reserve Bank of Philadelphia, Indiana University - Kelley School of Business - Department of Finance and Board of Governors of the Federal Reserve System
Downloads 84 (603,891)

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Monetary policy transmission, credit, bank lending, relationship lending

118.

Bank Size and Household Financial Sentiment: Surprising Evidence from the University of Michigan Surveys of Consumers

FRB of Philadelphia Working Paper No. 19-4
Number of pages: 69 Posted: 15 Jan 2019 Last Revised: 21 Feb 2019
Allen N. Berger, Felix Irresberger and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Durham University and Federal Reserve Bank of Philadelphia
Downloads 82 (612,453)

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households, financial sentiment, small banks, large banks, banking market structure

119.

Trade Disruptions and Global Banking

Number of pages: 64 Posted: 20 Dec 2023
Allen N. Berger, Freddy Alejandro Pinzon Puerto, Peter Karlström and Matias Ossandon Busch
University of South Carolina - Darla Moore School of Business, University of Chicago - Booth School of Business, CEMLA and Halle Institute for Economic Research
Downloads 79 (625,591)

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financial integration, international trade, real integration, trade disruptions, international banking

120.

Banking on Deforestation:
The Cost of Nonenforcement

Number of pages: 56 Posted: 15 Apr 2024 Last Revised: 11 Oct 2024
Allen N. Berger, Cristina Ortega, Matias Ossandon Busch and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Malaga, Halle Institute for Economic Research and Federal Reserve Bank of Philadelphia
Downloads 78 (634,310)

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environmental law enforcement, climate risk, financial institutions, bank credit, Brazilian Amazon, sustainable finance, deforestation

121.

For Better or Worse? Evidence from Exogenous Turnover of Executives

Number of pages: 43 Posted: 30 Jan 2023 Last Revised: 07 Jun 2023
Allen N. Berger, Jiarui Guo and Brooke Stanley
University of South Carolina - Darla Moore School of Business, University of South Carolina - Department of Finance and Winthrop University
Downloads 77 (634,310)

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corporate governance, executive turnover, banks

122.

Catch, Restrict, and Release: The Real Story of Bank Bailouts

Number of pages: 53 Posted: 01 Nov 2022
Allen N. Berger, Simona Nistor, Steven Ongena and Sergey Tsyplakov
University of South Carolina - Darla Moore School of Business, Babes-Bolyai University - Department of Finance, University of Zurich - Department Finance and University of South Carolina - Darla Moore School of Business
Downloads 73 (652,875)

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bank bail outs, international bank regulation, dynamic process

123.

Who Pays for Financial Crises? Price and Quantity Rationing of Publicly-Listed and Privately-Held Borrowers

Review of Corporate Finance, Forthcoming
Number of pages: 69 Posted: 04 Aug 2022
Allen N. Berger, Tanakorn Makaew and Rima Turk-Ariss
University of South Carolina - Darla Moore School of Business, University of Southern California and International Monetary Fund
Downloads 50 (782,347)

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Credit Rationing, Foreign Banks, Financial Crises, Relationship Lending, Private Firms

124.

A Public Market Test of Private Credit Markets: The "Bright Side" Versus the "Dark Side" of Relationship Lending *

Number of pages: 26 Posted: 31 Jul 2024
Allen N. Berger, Jiarui Guo, Stephen A. Karolyi and Leili Pour Rostami
University of South Carolina - Darla Moore School of Business, University of South Carolina - Department of Finance, Office of the Comptroller of the Currency and University of Massachusetts Boston
Downloads 41 (848,305)

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Relationship lending, syndicated loans, secondary loan market, bid-ask spreads JEL Classification: G12, G21, G23

125.

"Let Us Put Our Moneys Together”: Minority-Owned Banks and Resilience to Crises

FRB of Philadelphia Working Paper No. 23-13
Number of pages: 63 Posted: 29 Jun 2023
Allen N. Berger, Maryann P. Feldman, W. Scott Langford and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, Arizona State University (ASU), School of Public Affairs - Arizona State University and Federal Reserve Bank of Philadelphia
Downloads 37 (881,401)

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minority-owned banks, minority employment, community banking, crises, economic resilience, small business credit, household credit, shared-minority identity

126.

Privatization and Bank Liquidity Creation

Number of pages: 40 Posted: 05 Dec 2024
Allen N. Berger, Narjess Boubakri, Ruiyuan (Ryan) Chen, Omrane Guedhami and Xinming Li
University of South Carolina - Darla Moore School of Business, American University of Sharjah - School of Business and Management, West Virginia University, University of South Carolina - Moore School of Business and University of South Carolina, Darla Moore School of Business, Department of Finance
Downloads 29 (955,592)

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State-owned Banks, Privatization, Liquidity Creation, Financial Stability

127.

Banking on Deforestation: The Cost of Nonenforcement

FRB of Philadelphia Working Paper No. 24-21
Number of pages: 57 Posted: 17 Dec 2024
Allen N. Berger, Cristina Ortega, Matias Ossandon Busch and Raluca A. Roman
University of South Carolina - Darla Moore School of Business, University of Malaga, Halle Institute for Economic Research and Federal Reserve Bank of Philadelphia
Downloads 11 (1,165,506)

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environmental law enforcement, climate risk, deforestation risk, banking, financial institutions, bank credit, Brazilian Amazon, sustainable finance

128.

Small Business Credit Availability and Relationship Lending: The Importance of Bank Organizational Structure

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 24 Nov 2009
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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Relationship lending, Theoretical, Lending policies, Organizational structures, Banking industry, Banking industry, Credit, Business conditions, Financing, Loans

129.

The Economics of Small Business Finance: The Role of Private Equity and Debt Markets in the Financial Growth Cycle

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 17 Nov 2009
Allen N. Berger and Gregory F. Udell
University of South Carolina - Darla Moore School of Business and Indiana University - Kelley School of Business - Department of Finance

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Credit rationing, Growth cycle, Venture capital, Firm financing, Private equity, Debt financing, Banking industry, Economic research, Datasets, Capital structure

130.

Bank Liquidity Creation

The Review of Financial Studies, Vol. 22, Issue 9, pp. 3779-3837, 2009
Posted: 08 Sep 2009
Allen N. Berger and Christa H. S. Bouwman
University of South Carolina - Darla Moore School of Business and Texas A&M University

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G32, G28, G21

131.

The Relationship between Capital and Earnings in Banking

Posted: 16 Sep 1999
Allen N. Berger
University of South Carolina - Darla Moore School of Business

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132.

The Efficiency of Bank Branches

Posted: 15 Sep 1999
Allen N. Berger, John Leusner and John J. Mingo
University of South Carolina - Darla Moore School of Business, University of Chicago and Mingo & Co.

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133.

Bank Scale Economies, Mergers, Concentration, and Efficiency: The U.S. Experience

Posted: 10 Aug 1999
Allen N. Berger and David B. Humphrey
University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance

Abstract:

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134.

The Information Content of Bank Examinations

Downloads 0 (1,274,883)

The Information Content of Bank Examinations

94-24
Posted: 09 Jul 1998
Allen N. Berger and Sally M. Davies
University of South Carolina - Darla Moore School of Business and Board of Governors of the Federal Reserve System

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The Information Content of Bank Examinations

Posted: 16 Apr 1999
Allen N. Berger and Sally M. Davies
University of South Carolina - Darla Moore School of Business and Board of Governors of the Federal Reserve System

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135.

The Coexistence of Multiple Distribution Systems for Financial Services: The Case of Property-Liability Insurance

Posted: 26 May 1998
Allen N. Berger, J David Cummins and Mary A. Weiss
University of South Carolina - Darla Moore School of Business, Temple University - Risk Management & Insurance & Actuarial Science and Temple University

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136.

The Efficiency Cost of Market Power in the Banking Industry: A Test of the `Quiet Life' and Related Hypotheses

Posted: 05 May 1998
Allen N. Berger and Timothy H. Hannan
University of South Carolina - Darla Moore School of Business and Board of Governors of the Federal Reserve System

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137.

Do Consumers Pay for One-Stop Banking? Evidence from a Non-Standard Revenue Function

94-01
Posted: 15 Apr 1998
Lawrence B. Pulley, Allen N. Berger and David B. Humphrey
College of William and Mary - Mason School of Business, University of South Carolina - Darla Moore School of Business and Florida State University - Department of Finance

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