Francisco Rodriguez-Fernandez

University of Granada - Department of Economic Theory and History

Granada

Spain

  • University of Granada - Department of Economic Theory and History

SCHOLARLY PAPERS

27

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SSRN CITATIONS
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Top 8,174

in Total Papers Citations

73

CROSSREF CITATIONS

85

Scholarly Papers (27)

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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, University of Granada and University of Granada - Department of Economic Theory and History
Downloads 1,545 (16,980)
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
University of Granada, Indiana University - Kelley School of Business - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 1,133 (26,915)
Citation 20

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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 University of Granada
Downloads 722 (50,281)
Citation 4

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

4.

Are Covered Bonds a Substitute for Mortgage-Backed Securities?

Downloads 599 ( 64,009)
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
University of Granada, University of Granada - Department of Economic Theory and History and Federal Reserve Bank of Chicago - Economic Research
Downloads 346 (121,869)
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
University of Granada, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 253 (168,925)
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
University of Granada, University of Granada - Department of Economic Theory and History and Indiana University - Kelley School of Business - Department of Finance
Downloads 569 (68,323)
Citation 24

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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, University of Granada, Centre for European Policy Studies (CEPS) and University of Granada - Department of Economic Theory and History
Downloads 525 (75,541)
Citation 69

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banking regulation, supervision

7.

Lending Relationships and Credit Rationing: The Impact of Securitization

Downloads 297 (117,791)
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
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 184 (227,774)
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
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 111 (340,283)
Citation 3

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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
University of Granada, KU Leuven - Faculty of Business and Economics (FEB) and University of Granada - Department of Economic Theory and History
Downloads 2 (915,112)
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financial crisis, lending relationships, securitization

8.

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
University of Granada, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 325 (131,208)
Citation 12

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Financial Crisis, Trust in Banks, Financial Services, Distrust

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
University of Granada and University of Granada - Department of Economic Theory and History
Downloads 301 (142,171)

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

10.

Regulating Two-Sided Markets: An Empirical Investigation

Downloads 289 (148,364)
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
University of Granada, Chakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 183 (228,858)
Citation 5

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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
University of Granada, Chakra Advisors LLC and University of Granada - Department of Economic Theory and History
Downloads 106 (351,318)

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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
University of Granada, European Central Bank (ECB) and University of Granada - Department of Economic Theory and History
Downloads 254 (168,857)

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securitization, lending, risk, financial instability

12.

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
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 220 (193,764)

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underwriters, banks, syndicate, bond, multiple underwritten

13.

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
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 219 (194,642)
Citation 1

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technology adoption, banks, machine learning

14.

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

Downloads 160 (194,642)
Citation 7

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
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 140 (286,368)
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

NBER Working Paper No. w16787
Number of pages: 35 Posted: 14 Feb 2011 Last Revised: 16 May 2021
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 20 (724,971)

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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
University of Granada and University of Granada - Department of Economic Theory and History
Downloads 214 (198,801)
Citation 1

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house prices, mortgages, banks

16.

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
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 177 (235,454)
Citation 1

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

17.

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
University of Granada, University of Granada - Department of Economic Theory and History and Boston College - Department of Finance
Downloads 142 (282,139)
Citation 7

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

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
University of Granada, University of Granada - Department of Economic Theory and History and New York University - Leonard N. Stern School of Business
Downloads 138 (288,524)
Citation 1

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banks, underwriter, bond, debt certification

19.

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
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 116 (327,921)
Citation 1

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Underwriters, Bailout, Reputation, Recapitalization

20.

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
University of Granada, Colegio Universitario de Estudios Financieros (CUNEF) and University of Granada - Department of Economic Theory and History
Downloads 111 (338,280)

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underwriters, market shares, bond, lending

21.

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
University of Granada, Federal Reserve Bank of Chicago - Economic Research and University of Granada - Department of Economic Theory and History
Downloads 98 (367,423)
Citation 1

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Covered bonds, MBS, issuance, banks

22.

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

Downloads 72 (440,631)

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
University of Granada, Banco de España and University of Granada - Department of Economic Theory and History
Downloads 72 (445,984)

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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
University of Granada, Banco de España and University of Granada - Department of Economic Theory and History

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Households; Mortgages; Financial Constraints; Credit Risk

23.

A Revenue-Based Frontier Measure of Banking Competition

FRB of Philadelphia Working Paper No. 10-9
Number of pages: 32 Posted: 25 Mar 2010
Santiago Carbo, David B. Humphrey and Francisco Rodriguez-Fernandez
University of Granada - Faculty of Economics and Business Administration, Florida State University - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 60 (483,529)
Citation 1

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24.

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 2022
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 33 (611,687)
Citation 1

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25.

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: 28 Feb 2021
Santiago Carbo-Valverde, Edward J. Kane and Francisco Rodriguez-Fernandez
University of Granada, Boston College - Department of Finance and University of Granada - Department of Economic Theory and History
Downloads 27 (649,908)
Citation 2

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26.

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, University of Granada, Chakra Advisors LLC, University of Granada - Department of Economic Theory and History and World Bank
Downloads 21 (694,506)

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

27.

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
University of Granada, University of Granada and University of Granada - Department of Economic Theory and History
Downloads 13 (761,937)

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