Martin Brown

University of St. Gallen - Swiss Institute of Banking and Finance

Professor of Banking; Chair of Banking

Rosenbergstrasse 52

St. Gallen, CH-9000

Switzerland

SCHOLARLY PAPERS

37

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CITATIONS
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184

Scholarly Papers (37)

Information Sharing and Credit: Firm-Level Evidence from Transition Countries

ECGI - Finance Working Paper No. 201/2008, EFA 2007 Ljubljana Meetings Paper
Number of pages: 43 Posted: 02 Mar 2007 Last Revised: 29 May 2013
Martin Brown, Tullio Jappelli and Marco Pagano
University of St. Gallen - Swiss Institute of Banking and Finance, University of Naples Federico II - Department of Economics and University of Naples Federico II - Department of Economics and Statistics
Downloads 408 (56,744)
Citation 38

Abstract:

information sharing, credit access, transition countries

Information Sharing and Credit: Firm-Level Evidence from Transition Countries

CEPR Discussion Paper No. DP6313
Number of pages: 40 Posted: 27 May 2008
Martin Brown, Tullio Jappelli and Marco Pagano
University of St. Gallen - Swiss Institute of Banking and Finance, University of Naples Federico II - Department of Economics and University of Naples Federico II - Department of Economics and Statistics
Downloads 2 (557,809)
Citation 38

Abstract:

credit access, information sharing, transition countries

2.
Downloads 342 ( 70,628)
Citation 9

Foreign Currency Borrowing by Small Firms

CentER Discussion Paper No. 2008-16
Number of pages: 72 Posted: 01 Mar 2008 Last Revised: 29 May 2013
Martin Brown, Steven Ongena and Pinar Yesin
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance and Swiss National Bank
Downloads 166 (147,954)
Citation 9

Abstract:

foreign currency borrowing, competition, banking sector, market structure

Foreign Currency Borrowing by Small Firms

Number of pages: 72 Posted: 07 Feb 2009
Martin Brown, Steven Ongena and Pinar Yesin
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance and Swiss National Bank
Downloads 99 (223,006)
Citation 9

Abstract:

foreign currency borrowing, competition, banking sector, market structure

Foreign Currency Borrowing by Small Firms

EFA 2009 Bergen Meetings Paper
Number of pages: 72 Posted: 07 Feb 2009
Martin Brown, Steven Ongena and Pinar Yesin
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance and Swiss National Bank
Downloads 76 (264,395)
Citation 9

Abstract:

foreign currency borrowing, competition, banking sector, market structure.

Foreign Currency Borrowing by Small Firms

CEPR Discussion Paper No. DP7540
Number of pages: 82 Posted: 17 Nov 2009
Martin Brown, Steven Ongena and Pinar Yesin
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance and Swiss National Bank
Downloads 1 (568,207)
Citation 9

Abstract:

banking structure, competition, foreign currency borrowing, market structure

Contractual Incompleteness and the Nature of Market Interactions

Zurich IEER Working Paper No. 38
Number of pages: 61 Posted: 29 Mar 2002
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen - Swiss Institute of Banking and Finance, IZA Institute of Labor Economics and University of Zurich - Department of Economics
Downloads 289 (84,896)
Citation 11

Abstract:

Market Interaction, Contract Enforcement, Incomplete Contract, Involuntary Unemployment, Repeated Transaction, Fairness Preferences

Contractual Incompleteness and the Nature of Market Interactions

CEPR Discussion Paper No. 3272
Number of pages: 60 Posted: 18 Apr 2002
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen - Swiss Institute of Banking and Finance, IZA Institute of Labor Economics and University of Zurich - Department of Economics
Downloads 22 (444,782)
Citation 11

Abstract:

Market interaction, contract enforcement, incomplete contract, involuntary unemployment, repeated transaction, fairness preferences

4.

Relational Contracts and the Nature of Market Interactions

IZA Discussion Paper No. 897
Number of pages: 59 Posted: 18 Nov 2003
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen - Swiss Institute of Banking and Finance, IZA Institute of Labor Economics and University of Zurich - Department of Economics
Downloads 276 (85,035)
Citation 62

Abstract:

relational contracts, implicit contracts, market interaction, involuntary unemployment, repeated transaction, fairness preferences

Bank Funding, Securitization and Loan Terms: Evidence from Foreign Currency Lending

European Banking Center Discussion Paper No. 2009-21, CentER Discussion Paper Series No. 2009-78
Number of pages: 55 Posted: 07 Oct 2009 Last Revised: 29 May 2013
University of St. Gallen - Swiss Institute of Banking and Finance, ZEW Center for European Economic Research and University of Zurich - Department of Banking and Finance
Downloads 270 (91,603)
Citation 7

Abstract:

foreign currency debt, banking

Foreign Currency Loans - Demand or Supply Driven?

CEPR Discussion Paper No. DP7952
Number of pages: 50 Posted: 16 Aug 2010
University of St. Gallen - Swiss Institute of Banking and Finance, ZEW Center for European Economic Research and University of Zurich - Department of Banking and Finance
Downloads 3 (550,281)
Citation 7

Abstract:

banking, foreign currency debt

6.

Banking Sector Reform and Interest Rates in Transition Economies: Bank-Level Evidence from Kyrgyzstan

Number of pages: 33 Posted: 08 Mar 2007 Last Revised: 29 May 2013
University of St. Gallen - Swiss Institute of Banking and Finance, Swiss National Bank, National Bank of Kyrgyz Republic and National Bank of Kyrgyz Republic - Ministry of Finance
Downloads 225 (106,962)
Citation 1

Abstract:

Transition, Financial Sector Development, Interest Rates

The Emergence of Information Sharing in Credit Markets

University of Zurich, IEER Working Paper No. 317
Number of pages: 48 Posted: 09 Aug 2006 Last Revised: 29 May 2013
Martin Brown and Christian Zehnder
University of St. Gallen - Swiss Institute of Banking and Finance and University of Lausanne
Downloads 128 (184,137)
Citation 2

Abstract:

Credit Market, Information Sharing, Experiment

The Emergence of Information Sharing in Credit Markets

Number of pages: 46 Posted: 15 Jan 2009
Martin Brown and Christian Zehnder
University of St. Gallen - Swiss Institute of Banking and Finance and University of Lausanne
Downloads 91 (236,143)
Citation 2

Abstract:

Information Sharing, Credit Market, Competition, Adverse Selection, Experiment

8.

Microfinance Banks and Financial Inclusion

Number of pages: 57 Posted: 01 Mar 2013 Last Revised: 12 Nov 2014
University of St. Gallen - Swiss Institute of Banking and Finance, Bank of England and ZEW Center for European Economic Research
Downloads 213 (94,317)

Abstract:

Access to finance, Microfinance, Bank-ownership, Mission drift

9.

Deposit Withdrawals from Distressed Commercial Banks: The Importance of Switching Costs

University of St. Gallen, School of Finance Research Paper No. 2013-19
Number of pages: 57 Posted: 14 Nov 2013 Last Revised: 06 Sep 2016
Martin Brown, Benjamin Guin and Stefan Morkoetter
University of St. Gallen - Swiss Institute of Banking and Finance, Bank of England and University of St. Gallen - School of Finance
Downloads 184 (71,580)

Abstract:

Liquidity Risk, Market Discipline, Switching Costs, Too-big-to-fail

10.

Debt Overhang in Emerging Europe?

World Bank Policy Research Working Paper No. 5784
Number of pages: 54 Posted: 20 Apr 2016
Martin Brown and Philip R. R. Lane
University of St. Gallen - Swiss Institute of Banking and Finance and Trinity College (Dublin) - Department of Economics
Downloads 174 (115,799)
Citation 2

Abstract:

Debt Markets, Access to Finance, Bankruptcy and Resolution of Financial Distress, Banks & Banking Reform, Emerging Markets

11.

How Do Banks Screen Innovative Firms? Evidence from Start-Up Panel Data

ZEW - Centre for European Economic Research Discussion Paper No. 12-032
Number of pages: 37 Posted: 24 May 2012
University of St. Gallen - Swiss Institute of Banking and Finance, KU Leuven, Department Accounting, Finance and Insurance, Centre for European Economic Research (ZEW) and Universidad Torcuato Di Tella
Downloads 166 (119,646)
Citation 1

Abstract:

Innovation, Start-up, Credit information sharing, Soft information

Who Needs Credit and Who Gets Credit in Eastern Europe?

European Banking Center Discussion Paper No. 2010-14, CentER Discussion Paper Series No. 2010-50
Number of pages: 51 Posted: 25 May 2010
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance, European Central Bank (ECB) and Swiss National Bank
Downloads 147 (164,489)
Citation 6

Abstract:

Credit Constraints, Banking Sector, Transition Economies

Who Needs Credit and Who Gets Credit in Eastern Europe?

Economic Policy, Vol. 26, No. 65, pp. 93-130, 2011
Number of pages: 38 Posted: 12 Jan 2011
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance, European Central Bank (ECB) and affiliation not provided to SSRN
Downloads 2 (557,809)
Citation 6

Abstract:

13.

Can a Transaction Tax or Capital Gains Tax Smooth House Prices?

Number of pages: 41 Posted: 08 Mar 2011 Last Revised: 29 May 2013
Nicole Aregger, Martin Brown and Enzo Rossi
University of Bern - Department of Economics, University of St. Gallen - Swiss Institute of Banking and Finance and Swiss National Bank
Downloads 142 (152,613)

Abstract:

House prices, Transaction tax, Capital gains tax, Macroprudential policy

14.
Downloads 123 (189,276)
Citation 2

Foreign Bank Ownership and Household Credit

European Banking Center Discussion Paper No. 2011-024, CentER Discussion Paper Series No. 2011-089
Number of pages: 37 Posted: 31 Aug 2010 Last Revised: 29 May 2013
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 122 (191,190)
Citation 2

Abstract:

Access to finance, Household credit, Bank-ownership

Use of Banking Services in Emerging Markets - Household-Level Evidence

CEPR Discussion Paper No. DP8475
Number of pages: 50 Posted: 20 Jul 2011
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 1 (568,207)
Citation 2

Abstract:

access to finance, bank ownership, creditor protection, deposit insurance, household finance

15.

Which Households Use Banks? Evidence From the Transition Economies

ECB Working Paper No. 1295
Number of pages: 41 Posted: 05 Mar 2011
Thorsten Beck and Martin Brown
City University London - Sir John Cass Business School and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 120 (167,104)
Citation 3

Abstract:

Access to finance, Bank-ownership, Deposit insurance, Payment system, Creditor protection

16.

Credit Reporting, Relationship Banking, and Loan Repayment

Swiss National Bank Working Paper No. 2006-03
Number of pages: 41 Posted: 08 Mar 2007
Martin Brown and Christian Zehnder
University of St. Gallen - Swiss Institute of Banking and Finance and University of Lausanne
Downloads 104 (199,187)
Citation 20

Abstract:

credit market, information sharing, relationship banking

17.

Credit Booms and Busts in Emerging Markets: The Role of Bank Governance and Risk Management

University of St. Gallen, School of Finance Research Paper No. 2014/14, 28th Australasian Finance and Banking Conference
Number of pages: 42 Posted: 19 Jan 2015 Last Revised: 12 Feb 2017
Alin Marius Andries and Martin Brown
Alexandru Ioan Cuza University - Faculty of Economics and Business Administration and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 102 (124,755)

Abstract:

Credit boom and busts, corporate governance, risk management

The Threat of Exclusion and Implicit Contracting

European Banking Center Discussion Paper No. 2010-18, CentER Discussion Paper Series No. 2010-85, University of St.Gallen, School of Finance Research Paper No. 2014/07
Number of pages: 87 Posted: 27 Aug 2010 Last Revised: 02 Sep 2016
Martin Brown and Marta Serra-Garcia
University of St. Gallen - Swiss Institute of Banking and Finance and University of California, San Diego (UCSD) - Rady School of Management
Downloads 92 (234,403)

Abstract:

Microeconomic Behavior, Economics: Behavior and Behavioral

The Threat of Exclusion and Implicit Contracting

CESifo Working Paper Series No. 6092
Number of pages: 87 Posted: 09 Nov 2016
Martin Brown and Marta Serra-Garcia
University of St. Gallen - Swiss Institute of Banking and Finance and University of California, San Diego (UCSD) - Rady School of Management
Downloads 9 (519,271)

Abstract:

economics, microeconomic behavior, behavior and behavioral decision making, finance, corporate finance, implicit contracting

On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity

Number of pages: 32 Posted: 28 Aug 2008
Ernst Fehr, Martin Brown and Christian Zehnder
University of Zurich - Department of Economics, University of St. Gallen - Swiss Institute of Banking and Finance and University of Lausanne
Downloads 49 (333,123)
Citation 8

Abstract:

Reputation, Reciprocity, Relational Contracts, Price Rigidity, Wage Rigidity

On Reputation: A Microfoundation of Contract Enforcement and Price Rigidity

IZA Discussion Paper No. 3655
Number of pages: 33 Posted: 27 Aug 2008
Ernst Fehr, Martin Brown and Christian Zehnder
University of Zurich - Department of Economics, University of St. Gallen - Swiss Institute of Banking and Finance and University of Lausanne
Downloads 45 (345,716)
Citation 8

Abstract:

wage rigidity, price rigidity, relational contracts, reciprocity, reputation

20.

Contagious Bank Runs: Experimental Evidence

De Nederlandsche Bank Working Paper No. 363, University of St.Gallen, School of Finance Research Paper No. 2012/7
Number of pages: 30 Posted: 04 Jan 2013 Last Revised: 26 Jul 2013
Martin Brown, Stefan Trautmann and Razvan Vlahu
University of St. Gallen - Swiss Institute of Banking and Finance, Tilburg University and De Nederlandsche Bank
Downloads 90 (199,187)

Abstract:

contagion, bank runs, systemic risk

Information Asymmetry and Foreign Currency Borrowing by Small Firms

European Banking Center Discussion Paper No. 2011-026, CentER Working Paper Series No. 2011-099
Number of pages: 22 Posted: 05 Sep 2011 Last Revised: 29 May 2013
Steven Ongena, Pinar Yesin and Martin Brown
University of Zurich - Department of Banking and Finance, Swiss National Bank and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 86 (244,942)
Citation 1

Abstract:

foreign currency borrowing, competition, banking sector, market structure

Information Asymmetry and Foreign Currency Borrowing by Small Firms

Comparative Economic Studies, Vol. 56, Issue 1, pp. 110-131, 2014
Number of pages: 22 Posted: 24 Feb 2014
Martin Brown, Steven Ongena and Pinar Yesin
University of St. Gallen - Swiss Institute of Banking and Finance, University of Zurich - Department of Banking and Finance and Swiss National Bank
Downloads 1 (568,207)
Citation 1

Abstract:

22.

Foreign Currency Lending in Emerging Europe: Bank Level Evidence

European Banking Center Discussion Paper No. 2010-31, CentER Discussion Paper Series No. 2010-135
Number of pages: 46 Posted: 17 Jan 2011 Last Revised: 29 May 2013
Martin Brown and Ralph de Haas
University of St. Gallen - Swiss Institute of Banking and Finance and European Bank for Reconstruction and Development
Downloads 74 (218,636)
Citation 1

Abstract:

Foreign currency lending, currency mismatch, foreign banks, financial stability

23.

Information or Insurance? On the Role of Loan Officer Discretion in Credit Assessment

Number of pages: 50 Posted: 04 Jun 2012 Last Revised: 29 May 2013
University of St. Gallen - Swiss Institute of Banking and Finance, University of St. Gallen (HSG), School of Finance, Risk Solution Network AG and Risk Solution Network AG
Downloads 68 (244,726)

Abstract:

Relationship banking, Asymmetric information, Implicit contracts, Credit rating

24.

Internal Control and Strategic Communication within Firms – Evidence from Bank Lending

University of St.Gallen, School of Finance Research Paper No. 2015/04
Number of pages: 48 Posted: 07 Mar 2015 Last Revised: 08 Sep 2015
University of St. Gallen - Swiss Institute of Banking and Finance, Risk Solution Network AG, University of St. Gallen (HSG), School of Finance and Risk Solution Network AG
Downloads 66 (162,379)

Abstract:

Internal Control, Authority, Information, Small Business Lending

25.

Regional Inflation, Financial Integration and Dollarization

Forthcoming, Review of Finance
Number of pages: 63 Posted: 10 Dec 2013 Last Revised: 01 Apr 2017
Martin Brown, Ralph de Haas and Vladimir Sokolov
University of St. Gallen - Swiss Institute of Banking and Finance, European Bank for Reconstruction and Development and National Research University Higher School of Economics
Downloads 54 (231,119)

Abstract:

Financial dollarization, financial integration, regional inflation

26.

Understanding Bank-Run Contagion

ECB Working Paper No. 1711
Number of pages: 34 Posted: 12 Aug 2014
Martin Brown, Stefan Trautmann and Razvan Vlahu
University of St. Gallen - Swiss Institute of Banking and Finance, Tilburg University and De Nederlandsche Bank
Downloads 52 (231,119)

Abstract:

contagion, bank runs, systemic risk

27.

Competition and Relational Contracts: The Role of Unemployment as a Disciplinary Device

IZA Working Paper No. 3345
Number of pages: 56 Posted: 23 May 2008
Martin Brown, Armin Falk and Ernst Fehr
University of St. Gallen - Swiss Institute of Banking and Finance, IZA Institute of Labor Economics and University of Zurich - Department of Economics
Downloads 48 (310,531)
Citation 2

Abstract:

relational contracts, involuntary unemployment

28.

Who Needs Credit and Who Gets Credit in Eastern Europe?

ECB Working Paper No. 1421
Number of pages: 52 Posted: 06 Feb 2012
University of Zurich - Department of Banking and Finance, European Central Bank (ECB), Swiss National Bank and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 46 (316,049)
Citation 6

Abstract:

credit constraints, banking sector, transition economies

29.

The Euroization of Bank Deposits in Eastern Europe

University of St. Gallen, School of Finance Research Paper No. 2014/12
Number of pages: 49 Posted: 19 Jan 2015
Martin Brown and Helmut Stix
University of St. Gallen - Swiss Institute of Banking and Finance and Oesterreichische Nationalbank - Economic Studies Division
Downloads 43 (211,323)

Abstract:

30.

The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data

University of St.Gallen, School of Finance Research Paper No. 2015/9
Number of pages: 40 Posted: 21 May 2015
Martin Brown and Benjamin Guin
University of St. Gallen - Swiss Institute of Banking and Finance and Bank of England
Downloads 29 (327,668)

Abstract:

Mortgage Default, Mortgage Choice, Household Finance, Mortgage Risk

31.

The Transmission of Banking Crises to Households: Lessons from the 2008-2011 Crises in the Eca Region

World Bank Policy Research Working Paper No. 6528
Number of pages: 35 Posted: 20 Apr 2016
Martin Brown
University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 24 (388,789)

Abstract:

Access to Finance, Debt Markets, Emerging Markets, Economic Theory & Research, Banks & Banking Reform

32.

Mortgage Relationships

University of St. Gallen, School of Finance Research Paper No. 2013/10
Number of pages: 23 Posted: 14 Nov 2013
Martin Brown and Matthias Hoffmann
University of St. Gallen - Swiss Institute of Banking and Finance and Independent
Downloads 23 (310,531)

Abstract:

Mortgage loans, Household finance, Relationship banking

33.

Foreign Banks and Foreign Currency Lending in Emerging Europe

Economic Policy, Vol. 27, Issue 69, pp. 57-98, 2012
Number of pages: 42 Posted: 18 Jan 2012
Martin Brown and Ralph de Haas
University of St. Gallen - Swiss Institute of Banking and Finance and European Bank for Reconstruction and Development
Downloads 1 (540,136)
Citation 2

Abstract:

34.

Credit Booms and Busts in Emerging Markets

Economics of Transition, Vol. 25, Issue 3, pp. 377-437, 2017
Number of pages: 61 Posted: 03 Jun 2017
Alin Marius Andries and Martin Brown
Alexandru Ioan Cuza University - Faculty of Economics and Business Administration and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 0 (553,449)

Abstract:

Credit boom‐bust cycles, corporate governance, risk management

35.

Culture and Financial Literacy

University of St.Gallen, School of Finance Research Paper No. 2017/03
Number of pages: 53 Posted: 14 Feb 2017
Martin Brown, Caroline Henchoz and Thomas Spycher
University of St. Gallen - Swiss Institute of Banking and Finance, University of Fribourg and University of St. Gallen - School of Finance
Downloads 0 (175,889)

Abstract:

Culture, Financial Literacy, Financial Socialisation

36.

Liquidity Constraints, Wealth Transfers and Home Ownership

University of St. Gallen, School of Finance Research Paper No. 2016/18
Number of pages: 67 Posted: 15 Sep 2016
Kristian Blickle and Martin Brown
University of St. Gallen - School of Finance and University of St. Gallen - Swiss Institute of Banking and Finance
Downloads 0 (278,930)

Abstract:

Liquidity Constraints, Tenure Choice, Wealth Transfers, Macroprudential Policy

37.

Social Norms and Strategic Default

University of St. Gallen, School of Finance Research Paper No. 2016/08
Number of pages: 44 Posted: 08 Mar 2016
Martin Brown, Jan Schmitz and Christian Zehnder
University of St. Gallen - Swiss Institute of Banking and Finance, ETH Zurich and University of Lausanne
Downloads 0 (255,984)

Abstract:

Strategic Default, Moral Constraints, Social Norms