Jose E. Gutierrez

Banco de España

Alcala 50

Madrid 28014

Spain

SCHOLARLY PAPERS

5

DOWNLOADS

214

TOTAL CITATIONS

0

Scholarly Papers (5)

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1.

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

Downloads 136 (420,345)

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 121 (459,381)

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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 15 (1,119,623)

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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 41 (822,554)

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

3.

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 17 (1,048,113)

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

4.

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 Bank for International Settlements (BIS)
Downloads 15 (1,070,777)

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

5.

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 Bank for International Settlements (BIS)
Downloads 5 (1,187,606)

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