Ruben Hernandez-Murillo

KeyBank

Headquarters

127 Public Square 0403

Cleveland, OH 44114

United States

SCHOLARLY PAPERS

22

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Top 20,857

in Total Papers Downloads

4,592

SSRN CITATIONS
Rank 9,104

SSRN RANKINGS

Top 9,104

in Total Papers Citations

159

CROSSREF CITATIONS

26

Scholarly Papers (22)

1.
Downloads 1,400 (26,573)
Citation 32

Risk Aversion at the Country Level

Number of pages: 14 Posted: 19 Aug 2015 Last Revised: 24 Jul 2019
Nestor Gandelman and Ruben Hernandez-Murillo
Universidad ORT Uruguay and KeyBank
Downloads 1,166 (34,143)
Citation 25

Abstract:

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Risk Aversion at the Country Level

FRB of St. Louis Working Paper No. 2014-005A
Number of pages: 11 Posted: 16 Feb 2014
Nestor Gandelman and Ruben Hernandez-Murillo
Universidad ORT Uruguay and KeyBank
Downloads 234 (242,043)
Citation 8

Abstract:

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relative risk aversion; happiness; personal well-being

2.

The Impact of Inflation and Unemployment on Subjective Personal and Country Evaluations

Federal Reserve Bank of St. Louis Review, May/June 2009, 91(3), pp. 107-26
Number of pages: 20 Posted: 20 Jul 2013
Nestor Gandelman and Ruben Hernandez-Murillo
Universidad ORT Uruguay and KeyBank
Downloads 501 (106,429)
Citation 1

Abstract:

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3.

Strategic Online-Banking Adoption

FRB of St. Louis Working Paper No. 2006-058B
Number of pages: 34 Posted: 02 Nov 2006 Last Revised: 18 Feb 2010
Ruben Hernandez-Murillo, Gerard Llobet and Roberto Fuentes
KeyBank, Centre for Monetary and Financial Studies (CEMFI) and Farmaindustria
Downloads 430 (127,600)
Citation 9

Abstract:

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Duration Models, Technological Adoption, Online Banking

4.

The Diffusion of Electronic Business in the U.S.

FRB of St. Louis Working Paper No. 2004-009B
Number of pages: 34 Posted: 29 Jul 2005
Emin Dinlersoz and Ruben Hernandez-Murillo
Center for Economic Studies - US Census Bureau and KeyBank
Downloads 281 (202,676)
Citation 3

Abstract:

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Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

AFA 2013 San Diego Meetings Paper
Number of pages: 42 Posted: 15 Mar 2012 Last Revised: 20 Dec 2013
Andra C. Ghent, Ruben Hernandez-Murillo and Michael Owyang
University of Utah - David Eccles School of Business, KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 153 (355,737)
Citation 5

Abstract:

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mortgages, financial crisis, community reinvestment act, GSEs

Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?

Federal Reserve Bank of St. Louis Working Paper No. 2012-005B
Number of pages: 53 Posted: 12 Apr 2012 Last Revised: 20 Dec 2013
Ruben Hernandez-Murillo, Andra C. Ghent and Michael Owyang
KeyBank, University of Utah - David Eccles School of Business and Federal Reserve Bank of St. Louis - Research Division
Downloads 86 (545,186)
Citation 2

Abstract:

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Mortgages, Loan Performance, Community Reinvestment Act, GSEs

6.

Spatial Dependence in Models of State Fiscal Policy Convergence

FRB of St. Louis Working Paper No. 2006-001B
Number of pages: 30 Posted: 06 Jan 2006
Cletus C. Coughlin, Thomas A. Garrett and Ruben Hernandez-Murillo
Federal Reserve Bank of St. Louis - Research Division, Federal Reserve Bank of St. Louis - Research Division and KeyBank
Downloads 190 (294,689)
Citation 1

Abstract:

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convergence, state fiscal policy, fiscal policy dependence, spatial econometrics

Patent Licensing Revisited: Heterogeneous Firms and Product Differentiation

CEMFI Working Paper No. 0301
Number of pages: 31 Posted: 28 May 2003
Ruben Hernandez-Murillo and Gerard Llobet
KeyBank and Centre for Monetary and Financial Studies (CEMFI)
Downloads 177 (313,397)
Citation 6

Abstract:

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Patent licensing, royalty rate, fixed fees, private information

Patent Licensing Revisited: Heterogeneous Firms and Product Differentiation

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 10 Nov 2009
Ruben Hernandez-Murillo and Gerard Llobet
KeyBank and affiliation not provided to SSRN

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Innovations, Fixed costs, Tariffs, Patent licenses, License agreements, Patent ownership, Revenues, Product diversification

8.

Differences in Subprime Loan Pricing Across Races and Neighborhoods

Federal Reserve Bank of St. Louis Working Paper No. 2011-033C
Number of pages: 55 Posted: 12 Apr 2012 Last Revised: 08 Aug 2014
Andra C. Ghent, Ruben Hernandez-Murillo and Michael Owyang
University of Utah - David Eccles School of Business, KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 172 (321,731)
Citation 12

Abstract:

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Fair Housing Act; Subprime Mortgages; Loan Performance; Discrimination

9.

Tax Competition and Tax Harmonization with Evasion

Topics in Economic Analysis & Policy, Vol. 4, No. 1, Article 13, 2004
Number of pages: 23 Posted: 13 Sep 2006
Nestor Gandelman and Ruben Hernandez-Murillo
Universidad ORT Uruguay and KeyBank
Downloads 157 (347,880)

Abstract:

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tax competition, tax harmonization, evasion

10.
Downloads 142 (377,395)
Citation 8

Clustered Housing Cycles

FRB of Cleveland Working Paper No. 1524
Number of pages: 42 Posted: 30 Dec 2015
Ruben Hernandez-Murillo, Michael Owyang and Margarita Rubio
KeyBank, Federal Reserve Bank of St. Louis - Research Division and University of Nottingham
Downloads 75 (592,952)
Citation 7

Abstract:

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clustered Markov switching, business cycles, building permits, comovements

Clustered Housing Cycles

FRB St. Louis Working Paper No. 2013-21
Number of pages: 41 Posted: 06 Oct 2015 Last Revised: 30 Oct 2015
Ruben Hernandez-Murillo, Michael Owyang and Margarita Rubio
KeyBank, Federal Reserve Bank of St. Louis - Research Division and University of Nottingham
Downloads 67 (631,733)

Abstract:

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Business cycles, Housing, Economic indicators

11.

Measuring the Information Content of the Beige Book: A Mixed Data Sampling Approach

Number of pages: 30 Posted: 12 May 2008
Michelle T. Armesto, Ruben Hernandez-Murillo, Michael Owyang and Jeremy Piger
Federal Reserve Bank of St. Louis - Research Division, KeyBank, Federal Reserve Bank of St. Louis - Research Division and University of Oregon - Department of Economics
Downloads 113 (449,284)
Citation 7

Abstract:

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data sampling frequency, textual analysis, DICTION, Beige Book

12.

Information and Drug Prices: Evidence from the Medicare Discount Drug Card Program

Number of pages: 29 Posted: 14 Dec 2005
Emin Dinlersoz, Han Li, Roger Sherman and Ruben Hernandez-Murillo
Center for Economic Studies - US Census Bureau, Southwestern University of Finance and Economics, University of Houston - Department of Economics and KeyBank
Downloads 105 (473,929)

Abstract:

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Price dispersion, retail drug prices, price dynamics, government regulation, Medicare Discount Drug Card Program

13.

What Do Happiness and Health Satisfaction Data Tell Us About Relative Risk Aversion?

Federal Reserve Bank of St. Louis Working Paper No. 2011-039D
Number of pages: 29 Posted: 12 Apr 2012 Last Revised: 03 Oct 2013
Nestor Gandelman and Ruben Hernandez-Murillo
Universidad ORT Uruguay and KeyBank
Downloads 85 (543,454)
Citation 5

Abstract:

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relative risk aversion, marginal utility of income, happiness, health dependence

14.

The Effect of Neighborhood Spillovers on Mortgage Selection

Federal Reserve Bank of St. Louis Working Paper No. 2011-036B
Number of pages: 36 Posted: 12 Apr 2012 Last Revised: 06 Nov 2012
Ruben Hernandez-Murillo, Rajdeep Sengupta and Alvin Murphy
KeyBank, Federal Reserve Bank of Kansas City and Arizona State University (ASU) - Economics Department
Downloads 83 (551,432)

Abstract:

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Subprime mortgages, Hybrid mortgages, Neighborhood effects, Hispanic population.

15.

Information Policy and Drug Prices: Evidence from the Medicare Discount Drug Card Program

FRB of St. Louis Working Paper No. 2005-072B
Number of pages: 35 Posted: 01 Nov 2006
Emin Dinlersoz, Han Li, Ruben Hernandez-Murillo and Roger Sherman
Center for Economic Studies - US Census Bureau, Southwestern University of Finance and Economics, KeyBank and University of Houston - Department of Economics
Downloads 81 (559,558)

Abstract:

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Price dispersion, retail drug prices, price dynamics, government regulation, Medicare Discount Drug Card Program

16.

The Information Content of Regional Employment Data for Forecasting Aggregate Conditions

FRB of St. Louis Working Paper No. 2004-005B
Number of pages: 10 Posted: 29 Jul 2005
Ruben Hernandez-Murillo and Michael Owyang
KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 73 (593,750)
Citation 2

Abstract:

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Forecasting, aggregatation, spatial econometrics

17.

A State-Level Analysis of Okun's Law

FRB of Cleveland Working Paper No. 1523
Number of pages: 43 Posted: 22 Oct 2015
Amy Guisinger, Ruben Hernandez-Murillo, Michael Owyang and Tara M. Sinclair
George Washington University, KeyBank, Federal Reserve Bank of St. Louis - Research Division and George Washington University - Department of Economics
Downloads 72 (598,306)
Citation 4

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correlated unobserved components, potential output, natural rate of unemployment

18.

Clustered Housing Cycles

FRB of St. Louis Working Paper No. 2013-021A
Number of pages: 40 Posted: 27 Jun 2013
Ruben Hernandez-Murillo, Michael Owyang and Margarita Rubio
KeyBank, Federal Reserve Bank of St. Louis - Research Division and University of Nottingham
Downloads 64 (636,742)
Citation 1

Abstract:

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clustered Markov switching, business cycles, building permits, comovements

19.

A State-Level Analysis of Okun's Law

FRB St. Louis Working Paper No. 2015-29
Number of pages: 37 Posted: 06 Oct 2015 Last Revised: 03 Jan 2019
Amy Guisinger, Ruben Hernandez-Murillo, Michael Owyang and Tara M. Sinclair
George Washington University, KeyBank, Federal Reserve Bank of St. Louis - Research Division and George Washington University - Department of Economics
Downloads 63 (641,760)
Citation 1

Abstract:

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Correlated unobserved components, potential output, natural rate of unemployment

20.

Identifying Asymmetry in the Language of the Beige Book: A Mixed Data Sampling Approach

FRB of St. Louis Working Paper No. 2007-010A
Number of pages: 31 Posted: 09 Mar 2007
Michelle T. Armesto, Ruben Hernandez-Murillo, Michael Owyang and Jeremy Piger
Federal Reserve Bank of St. Louis - Research Division, KeyBank, Federal Reserve Bank of St. Louis - Research Division and University of Oregon - Department of Economics
Downloads 63 (641,760)

Abstract:

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data sampling frequency, textual analysis, diction, Beige Book

21.

Nonlinear Hedonics and the Search for School Quality

Federal Reserve Bank of St. Louis Working Paper No. 2003-039E
Number of pages: 29 Posted: 22 Sep 2009
Abbey Chiodo, Ruben Hernandez-Murillo and Michael Owyang
affiliation not provided to SSRN, KeyBank and Federal Reserve Bank of St. Louis - Research Division
Downloads 62 (647,009)
Citation 1

Abstract:

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education capitalization, house prices, hedonics, boundary discontinuity

22.

Interjurisdictional Competition with Adverse Selection

FRB of St. Louis Working Paper No. 2012-052C
Number of pages: 35 Posted: 06 Nov 2012 Last Revised: 03 Oct 2013
Ruben Hernandez-Murillo
KeyBank
Downloads 39 (790,234)

Abstract:

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Interjurisdictional competition, asymmetric information, constitutional constraints, fiscal policy