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Jose E. Gutierrez

Banco de España

Alcala 50

Madrid 28014

Spain

SCHOLARLY PAPERS

8

DOWNLOADS

584

TOTAL CITATIONS

0

Scholarly Papers (8)

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1.

Bridging the Gap? A Theoretical Analysis of the Net Effect of FinTech Entry on Access to Credit

Downloads 240 (320,573)

Bridging the Gap? A Theoretical Analysis of the Net Effect of FinTech Entry on Access to Credit

Number of pages: 18 Posted: 07 Feb 2024
Josep Gisbert and Jose E. Gutierrez
IE University and Banco de España
Downloads 130 (559,525)

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FinTech, financial inclusion, soft information, regulatory arbitrage, economic growth, financial stability

Bridging the Gap? FinTech and Financial Inclusion

Banco de Espana Working Paper No. 2426
Number of pages: 23 Posted: 29 Aug 2024
Josep Gisbert and Jose E. Gutierrez
IE University and Banco de España
Downloads 110 (653,927)

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FinTech, Financial inclusion, Soft information, Regulatory arbitrage, Economic growth

2.

Optimal Regulation of Credit Lines

Banco de Espana Working Paper No. 2323
Number of pages: 41 Posted: 31 Aug 2023
Jose E. Gutierrez
Banco de España
Downloads 74 (844,901)

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credit lines, bank liquidity risk regulation, LCR, NSFR, Basel III

3.

Bank Supervision and Non-Performing Loan Cleansing

Banco de Espana Working Paper No. 2428
Number of pages: 49 Posted: 17 Sep 2024
Soner Baskaya, Jose E. Gutierrez, Serafeim Tsoukas and José María Serena
University of Glasgow - Adam Smith Business School, Banco de España, University of Glasgow - Adam Smith Business School and Banco de España
Downloads 73 (852,604)

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Non-performing loans, Loan loss provisioning rules, NPL resolution, Credit supply, Firm outcomes

4.

Shadow seniority? Lending relationships and borrowers’ selective default

Downloads 65 (916,100)

Shadow seniority? Lending relationships and borrowers’ selective default

Banco de Espana Working Paper No. 2420
Number of pages: 49 Posted: 18 Jul 2024
Jose E. Gutierrez and José María Serena
Banco de España and Banco de España
Downloads 39 (1,224,220)

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Lending relationships, Loan default, Non-performing loans, Loan-loss recognition, Forbearance

Shadow Seniority? Lending Relationships and Borrowers’ Selective Default

Number of pages: 37 Posted: 19 Jul 2025
Francisco González, Jose E. Gutierrez and José María Serena
Universidad de Oviedo, Banco de España and Banco de España
Downloads 26 (1,415,710)

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lending relationships, main banks, loan default, non-performing loans, zombie lending

5.

Cross-border spillovers of bank regulations: Evidence of a trade channel

Banco de Espana Working Paper No. 2538
Number of pages: 92 Posted: 25 Nov 2025
Maria Alejandra Amado, Carlos Burga and Jose E. Gutierrez
Bank of Spain, Pontificia Universidad Catolica de Chile and Banco de España
Downloads 50 (1,086,013)

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bank regulations, spillovers, international trade

6.

The Nexus between the Deposit and Risk-Taking Channels of Monetary Policy

Number of pages: 44 Posted: 06 Apr 2026 Last Revised: 17 Apr 2026
Jose E. Gutierrez, Enric Martorell and Mariya Melnychuk
Banco de España, Banco de España and Banco de España
Downloads 35 (1,359,097)

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monetary policy, deposit channel, bank risk-taking, market concentration

7.

Partial-Insured Credit Lines, Fire-Sale Externalities, and Liquidity Risk Regulation

Number of pages: 39 Posted: 11 Oct 2023
Jose E. Gutierrez
Banco de España
Downloads 32 (1,290,922)

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credit lines, bank liquidity risk regulation, LCR, NSFR, Basel III

8.

Credit Supply in the Wake of Distressed Bank Acquisitions

Number of pages: 73 Posted: 13 May 2026
Jose E. Gutierrez, Ryan Banerjee, José María Serena and Francisco González
Banco de España, Bank for International Settlements (BIS), Banco de España and Universidad de Oviedo
Downloads 15 (1,500,778)

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Bank resolution, Resolution tools, Sale-of-business tool, Credit supply.