Santiago Carbo-Valverde

Universitat de València

Departamento de Analisis Economico

Facultad de Economia, Campus Tarongers

Valencia, Valencia 46022

Spain

  • Universitat de València

SCHOLARLY PAPERS

38

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119

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96

Scholarly Papers (38)

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1.

The Economics of Credit Cards, Debit Cards and Atms: A Survey and Some New Evidence

Journal of Banking & Finance, Vol. 32, No. 8, pp. 1468-1483, August 2008, University of Alberta School of Business Research Paper No. 2013-1147
Number of pages: 36 Posted: 07 May 2006 Last Revised: 25 Jul 2013
Barry Scholnick, Nadia Massoud, Anthony Saunders, Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez
University of Alberta - Department of Marketing, Business Economics & Law, Melbourne Business School, University of Melbourne, New York University - Leonard N. Stern School of Business, Universitat de València and University of Granada - Department of Economic Theory and History
Downloads 1,600 (19,216)
Citation 11

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Credit Cards, debit cards, point of sale, POS, ATMs, Retail payment system

2.

Bank Market Power and SME Financing Constraints

EFA 2006 Zurich Meetings
Number of pages: 62 Posted: 20 Jun 2006
Santiago Carbo-Valverde, Gregory F. Udell and Francisco Rodriguez-Fernandez
Universitat de València, Indiana University - Kelley School of Business - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 1,146 (31,668)
Citation 32

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Bank market power, SME financing

3.

Bank Lending, Financing Constraints and SME Investment

21st Australasian Finance and Banking Conference 2008 Paper
Number of pages: 41 Posted: 10 Sep 2008 Last Revised: 14 May 2014
Francisco Rodriguez-Fernandez, Gregory F. Udell and Santiago Carbo-Valverde
University of Granada - Department of Economic Theory and History, Indiana University - Kelley School of Business - Department of Finance and Universitat de València
Downloads 737 (58,296)
Citation 7

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SMEs, financing constraints, bank lending, trade credit, predictability

4.

Are Covered Bonds a Substitute for Mortgage-Backed Securities?

Downloads 632 (71,171)
Citation 5

Are Covered Bonds a Substitute for Mortgage-Backed Securities?

26th Australasian Finance and Banking Conference 2013
Number of pages: 42 Posted: 08 Aug 2013
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Richard J. Rosen
Universitat de València, University of Granada - Department of Economic Theory and History and Federal Reserve Bank of Chicago - Economic Research
Downloads 370 (134,129)
Citation 4

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Are Covered Bonds a Substitute for Mortgage-Backed Securities?

FRB of Chicago Working Paper No. 2011-14
Number of pages: 41 Posted: 08 Dec 2011 Last Revised: 15 Mar 2012
Santiago Carbo-Valverde, Richard J. Rosen and Francisco Rodriguez-Fernandez
Universitat de València, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 262 (193,585)
Citation 3

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Covered bonds, mortgage-backed securities

5.

Trade Credit, the Financial Crisis, and SME Access to Finance

26th Australasian Finance and Banking Conference 2013
Number of pages: 43 Posted: 08 Aug 2013
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Gregory F. Udell
Universitat de València, University of Granada - Department of Economic Theory and History and Indiana University - Kelley School of Business - Department of Finance
Downloads 590 (77,528)
Citation 38

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SMEs, financing constraints, bank lending, trade credit, predictability

6.

Investigating Diversity in the Banking Sector in Europe: The Performance and Role of Savings Banks

CEPS Paperbacks
Number of pages: 214 Posted: 03 Jul 2009
Rym Ayadi, Rym Ayadi, Reinhard H. Schmidt, Santiago Carbo-Valverde, Emrah Arbak and Francisco Rodriguez-Fernandez
HEC MontrealHEC Montreal, Goethe University Frankfurt - Chair of Banking and Finance, Universitat de València, Centre for European Policy Studies (CEPS) and University of Granada - Department of Economic Theory and History
Downloads 538 (86,901)
Citation 90

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banking regulation, supervision

7.

Trust in Banks: Evidence from the Spanish Financial Crisis

26th Australasian Finance and Banking Conference 2013
Number of pages: 39 Posted: 15 Aug 2013
Santiago Carbo-Valverde, Eduardo Maqui Lopez and Francisco Rodriguez-Fernandez
Universitat de València, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 407 (121,340)
Citation 12

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Financial Crisis, Trust in Banks, Financial Services, Distrust

8.

Lending Relationships and Credit Rationing: The Impact of Securitization

Downloads 403 (122,729)
Citation 4

Lending Relationships and Credit Rationing: The Impact of Securitization

24th Australasian Finance and Banking Conference 2011 Paper
Number of pages: 30 Posted: 16 Aug 2011
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
Universitat de València, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 197 (254,643)
Citation 1

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 38 Posted: 14 Sep 2012 Last Revised: 22 Jan 2013
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
Universitat de València, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 126 (370,797)
Citation 3

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

Number of pages: 39 Posted: 20 Oct 2012
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez Fernandez
Universitat de València, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada
Downloads 78 (514,962)
Citation 1

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lending relationships, financial crisis, securitization

Lending Relationships and Credit Rationing: The Impact of Securitization

CEPR Discussion Paper No. DP9138
Number of pages: 41 Posted: 28 Sep 2012
Santiago Carbo-Valverde, Hans Degryse and Francisco Rodriguez-Fernandez
Universitat de València, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 2 (1,055,007)
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financial crisis, lending relationships, securitization

9.

ATMs vs. POS Terminals: A Horse Race?

21st Australasian Finance and Banking Conference 2008 Paper
Number of pages: 23 Posted: 10 Sep 2008 Last Revised: 26 Aug 2012
Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez
Universitat de València and University of Granada - Department of Economic Theory and History
Downloads 322 (157,145)

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Technology diffusion, payment instruments, banks, ATMs, POS.

10.

Regulating Two-Sided Markets: An Empirical Investigation

Downloads 312 (162,419)
Citation 3

Regulating Two-Sided Markets: An Empirical Investigation

FRB of Chicago Working Paper No. 2009-11
Number of pages: 57 Posted: 24 Nov 2009 Last Revised: 22 Apr 2010
Santiago Carbo-Valverde, Sujit Chakravorti and Francisco Rodriguez-Fernandez
Universitat de València, Chakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 197 (254,643)
Citation 4

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Payment Choice, Merchant Adoption

Regulating Two-Sided Markets: An Empirical Investigation

ECB Working Paper No. 1137
Number of pages: 51 Posted: 17 Jan 2010
Santiago Carbo-Valverde, Sujit Chakravorti and Francisco Rodriguez-Fernandez
Universitat de València, Chakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 115 (397,054)
Citation 1

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consumer payment choice, merchant payment adoption, network competition

11.

Securitization, Bank Lending and Credit Quality: The Case of Spain

ECB Working Paper No. 1329
Number of pages: 44 Posted: 25 Apr 2011
Santiago Carbo-Valverde, David Marques-Ibanez and Francisco Rodriguez-Fernandez
Universitat de València, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 286 (178,041)

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securitization, lending, risk, financial instability

12.

How Do Bank Customers Go Digital? A Machine Learning Approach

Number of pages: 43 Posted: 19 Jun 2018 Last Revised: 04 Oct 2018
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 253 (201,330)
Citation 1

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technology adoption, banks, machine learning

13.

Safety-Net Benefits Conferred on Difficult-to-Fail-and-Unwind Banks in the US and EU Before and During the Great Recession

Downloads 245 (207,745)
Citation 8

Safety-Net Benefits Conferred on Difficult-to-Fail-and-Unwind Banks in the US and EU Before and During the Great Recession

Number of pages: 44 Posted: 29 Jan 2011 Last Revised: 16 Aug 2011
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
Universitat de València, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 150 (323,154)
Citation 4

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financial safety net, too big to fail, financial crisis, financial subsidies,regulatory arbitrage

Safety-Net Benefits Conferred on Difficult-to-Fail-And-Unwind Banks in the US and EU Before and During the Great Recession

Paolo Baffi Centre Research Paper No. 2011-95
Number of pages: 43 Posted: 12 Jul 2011
Edward J. Kane, Santiago Carbo-Valverde and Francisco Rodriguez Fernandez
Boston College - Department of Finance, Universitat de València and University of Granada
Downloads 69 (552,745)
Citation 2

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safety net, too big to fail policy, difficult-to-fail banks, financial crisis

Safety-Net Benefits Conferred on Difficult-to-Fail-And-Unwind Banks in the Us and EU Before and During the Great Recession

NBER Working Paper No. w16787
Number of pages: 35 Posted: 14 Feb 2011 Last Revised: 15 May 2023
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
Universitat de València, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 26 (823,874)

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14.

The Impact of Lending Relationships on the Choice and Structure of Bond Underwriting Syndicates

Number of pages: 52 Posted: 31 Mar 2017 Last Revised: 02 Aug 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 242 (210,243)

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underwriters, banks, syndicate, bond, multiple underwritten

15.

The Relationship between Mortgage Markets and House Prices: Does Financial Instability Make the Difference?

Federal Reserve Bank of Atlanta CenFIS Working Paper 10-02
Number of pages: 25 Posted: 06 Feb 2010
Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez
Universitat de València and University of Granada - Department of Economic Theory and History
Downloads 238 (213,644)
Citation 1

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house prices, mortgages, banks

16.

Payment Card Interchange Fees: Assessing the Effectiveness of Antitrust Investigations and Regulation in Europe

Number of pages: 39 Posted: 06 May 2012
Santiago Carbo-Valverde and José Manuel Liñares-Zegarra
Universitat de València and University of Essex - Essex Business School
Downloads 211 (239,548)

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payment cards, interchange fees, adoption, usage, merchant, cardholders

17.

Intermediation Below Zero: Effects of Negative Interest Rates on Banks' Performance and Lending

Number of pages: 61 Posted: 19 Dec 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 208 (242,704)
Citation 1

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Negative Interest Rates, Intermediation, Lending, Central Banks, Banks

18.

Underwriting as Certification of Bank Bonds

Number of pages: 48 Posted: 27 Sep 2015 Last Revised: 10 Dec 2016
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Anthony Saunders
Universitat de València, University of Granada - Department of Economic Theory and History and New York University - Leonard N. Stern School of Business
Downloads 163 (300,969)
Citation 1

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banks, underwriter, bond, debt certification

19.

Securitization, Risk Transferring and Financial Instability: The Case of Spain

Number of pages: 37 Posted: 16 Aug 2011
Santiago Carbo-Valverde, David Marques-Ibanez and Francisco Rodriguez Fernandez
Universitat de València, European Central Bank (ECB) and University of Granada
Downloads 153 (317,553)
Citation 6

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securitization, lending, risk, financial instability

20.

Regulatory Arbitrage in Cross-Border Banking Mergers within the EU

Number of pages: 35 Posted: 04 Jun 2010 Last Revised: 13 Jun 2010
Santiago Carbo-Valverde, Francisco Rodriguez-Fernandez and Edward J. Kane
Universitat de València, University of Granada - Department of Economic Theory and History and Boston College - Department of Finance
Downloads 153 (317,553)
Citation 7

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bank mergers, safety-net subsidies, cross-border banking

21.

Do Bank Bailouts Have an Impact on the Underwriting Business?

Number of pages: 47 Posted: 12 Oct 2018 Last Revised: 02 Aug 2019
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 135 (350,802)
Citation 2

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Underwriters, Bailout, Reputation, Recapitalization

22.

Non-Pricing Drivers of Underwriters’ Market Shares in Corporate Bond Markets

Number of pages: 34 Posted: 01 Feb 2018 Last Revised: 07 Sep 2021
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 122 (378,479)

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underwriters, market shares, bond, lending

23.

Monetary Policy, Implicit Interest Rate, and Relative Net Trade Credit

Number of pages: 41 Posted: 11 Aug 2013
Santiago Carbo-Valverde, José Manuel Mansilla-Fernandez and Francisco Rodriguez Fernandez
Universitat de València, Public University of Navarre and University of Granada
Downloads 111 (405,372)

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implicit interest rate, monetary policy, relative net trade credit, trade credit

24.

Are Covered Bonds a Substitute for Mortgaged-Back Securities?

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 41 Posted: 14 Sep 2012
Santiago Carbo-Valverde, Richard J. Rosen and Francisco Rodriguez-Fernandez
Universitat de València, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 107 (416,148)
Citation 1

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Covered bonds, MBS, issuance, banks

25.

The Effects of Bank Market Power in Short-Term and Long-Term Firm Credit Availability and Investment

Revista Española de Financiación y Contabilidad, Forthcoming
Number of pages: 42 Posted: 27 Sep 2016
Santiago Carbo-Valverde, José Manuel Mansilla-Fernandez and Francisco Rodriguez Fernandez
Universitat de València, Public University of Navarre and University of Granada
Downloads 99 (439,385)

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Bank loans, bank market power, Euler equation, firm investment rate, risk premium

26.

How Effective are Rewards Programs in Promoting Payment Card Usage? Empirical Evidence

ECB Working Paper No. 1141
Number of pages: 40 Posted: 17 Jan 2010
Santiago Carbo-Valverde and José Manuel Liñares-Zegarra
Universitat de València and University of Essex - Essex Business School
Downloads 95 (451,423)
Citation 9

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payment cards, rewards, preferences, merchants, cardholders

27.

Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates

Downloads 83 (490,971)

Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates

Number of pages: 47 Posted: 05 May 2015 Last Revised: 29 Mar 2016
Santiago Carbo-Valverde, Sergio Mayordomo and Francisco Rodriguez-Fernandez
Universitat de València, Banco de España and University of Granada - Department of Economic Theory and History
Downloads 83 (495,858)

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mortgages, financial constraints, credit risk

Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates

Journal of Real Estate Finance and Economics, Vol. 56, No. 1, 2018
Posted: 08 Feb 2018
Santiago Carbo-Valverde, Sergio Mayordomo and Francisco Rodriguez-Fernandez
Universitat de València, Banco de España and University of Granada - Department of Economic Theory and History

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Households; Mortgages; Financial Constraints; Credit Risk

28.

Do Domestic M&As Impact Bank Risk Profiles? The Case of Spanish Banks

Number of pages: 34 Posted: 31 Aug 2013
Santiago Carbo-Valverde, Jens Hagendorff and Maria Nieto
Universitat de València, King’s College London - King's Business School and Banco de España
Downloads 79 (505,461)
Citation 2

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banks, mergers, Spain

29.

Financial Reputation, Market Interventions and Debt Issuance by Banks: A Truncated Two-Part Model Approach

ECB Working Paper No. 1741
Number of pages: 37 Posted: 19 Nov 2014
Gonzalo Camba-Mendez, Santiago Carbo-Valverde and Diego Rodriguez-Palenzuela
European Central Bank (ECB), Universitat de València and European Central Bank (ECB)
Downloads 64 (567,263)
Citation 3

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bank debt issuance, collateral, crisis, monetary policy

30.

Assessing Incentives to Increase Digital Payment Acceptance and Usage: A Machine Learning Approach

Number of pages: 62 Posted: 25 Jul 2022
Jeff Allen, Santiago Carbo-Valverde, Sujit Chakravorti, Francisco Rodriguez-Fernandez and Oya Pinar Ardic
World Bank, Universitat de València, Chakra Advisors LLC, University of Granada - Department of Economic Theory and History and World Bank
Downloads 50 (636,972)
Citation 1

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Payments, Incentives, Financial Inclusion, Regulation, Machine Learning, MSME, Tax Policy, Shadow Economy

31.

Cryptocurrency ownership and biases in perceived financial literacy

Number of pages: 37 Posted: 21 Jul 2023
Santiago Carbo-Valverde, Pedro Cuadros-Solas and Francisco Rodriguez-Fernandez
Universitat de València, CUNEF Universidad and University of Granada - Department of Economic Theory and History
Downloads 44 (671,543)

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cryptocurrencies, financial literacy bias, machine learning, digital asset adoption

32.

Evidence of Regulatory Arbitrage in Cross-Border Mergers of Banks in the EU

NBER Working Paper No. w15447
Number of pages: 32 Posted: 03 Nov 2009 Last Revised: 18 Mar 2023
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
Universitat de València, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 41 (690,287)
Citation 1

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33.

Nowhere Else to Go: Determinants of Bank–Firm Relationship Discontinuations after Bank Mergers

Number of pages: 31 Posted: 09 Apr 2022
Santiago Carbo-Valverde and Oliver Rehbein
Universitat de València and Vienna University of Economics and Business
Downloads 40 (696,787)

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bank mergers, bank-firm relationship, competition

34.

Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries

NBER Working Paper No. w13782
Number of pages: 46 Posted: 08 Feb 2008 Last Revised: 29 Aug 2022
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
Universitat de València, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 37 (716,762)
Citation 2

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35.

A Functional and Neuropsychological Perspective of Digital Financial Decision-Making: Betrayal Aversion and Risk Behavior

Number of pages: 24 Posted: 17 Jun 2022
Santiago Carbo-Valverde, Raquel Martín Ríos and Francisco Rodriguez-Fernandez
Universitat de València, University of Granada and University of Granada - Department of Economic Theory and History
Downloads 34 (737,691)

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betrayal aversion, risk, digital financial, decision-making, investment game, risk game.

36.

The Impact of M&As on Bank Risk in Spain (1986-2007)

Revista de Estabilidad Financiera, Número 25, Noviembre de 2013
Number of pages: 13 Posted: 25 Aug 2017
Santiago Carbo-Valverde, Jens Hagendorff and Maria Nieto
Universitat de València, King’s College London - King's Business School and Banco de España
Downloads 34 (737,691)

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Banks; Mergers; Spain

37.

Mobility Restrictions and Payment Choices: The Case of the Covid-19 Pandemic

Number of pages: 52 Posted: 17 May 2023
Santiago Carbo-Valverde, Pedro Cuadros-Solas, Francisco Rodriguez-Fernandez and José Juan Sánchez-Bejar
Universitat de València, CUNEF Universidad, University of Granada - Department of Economic Theory and History and University of Granada - Department of Economic Theory and History
Downloads 22 (833,348)

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Covid-19, payments, mobility restrictions, cash

38.

Underwriting as Certification of Bank Bonds (Appendix)

Number of pages: 7 Posted: 12 Dec 2016
Santiago Carbo-Valverde, Anthony Saunders and Francisco Rodriguez Fernandez
Universitat de València, New York University - Leonard N. Stern School of Business and University of Granada
Downloads 20 (851,276)
Citation 1

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