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Francisco González

Universidad de Oviedo

Escuela Universitaria Jovellanos

Francisco Tomas y Valiente 1 33201 Gijon

Oviedo, 33006

Spain

  • Universidad de Oviedo

SCHOLARLY PAPERS

6

DOWNLOADS

1,026

TOTAL CITATIONS

0

Scholarly Papers (6)

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1.

Model-Based Capital Regulation and Systemic Risk: Evidence from Covid 19

Number of pages: 34 Posted: 13 Nov 2024
Amós García, Fernando Gascon and Francisco González
Universidad de Oviedo, Universidad de Oviedo and Universidad de Oviedo
Downloads 720 (88,714)

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Systemic risk, banks, internal-ratings-based (IRB), standardized approach (SA), model-based regulation

2.

Climate Transition Risks and Bank Liquidity Creation: Adapting to Regulatory Shocks

Swiss Finance Institute Research Paper No. 25-75
Number of pages: 76 Posted: 23 Sep 2025 Last Revised: 13 May 2026
Francisco González, Md Rajib Kamal, Steven Ongena and Shams Pathan
Universidad de Oviedo, NTNU Business School, The Norwegian University of Science and Technology, University of Zurich - Department Finance and The German International University
Downloads 152 (530,816)

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Climate transition risk, Bank liquidity creation, Nitrogen Oxides (NOx) Budget Trading Program (NBP), Climate regulation, Ownership structure, Bank competition

3.

The Expected Loss Model and Model-Based Regulation: Unintended Effects on Income Smoothing

Number of pages: 30 Posted: 18 May 2025
Mariana González-Alzueta and Francisco González
University of Oviedo and Universidad de Oviedo
Downloads 74 (844,901)

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Income smoothing, Loan-loss provisions, Expected loss model, IFRS 9, IRB

4.

Shadow seniority? Lending relationships and borrowers’ selective default

Downloads 26 (916,100)

Shadow Seniority? Lending Relationships and Borrowers’ Selective Default

Number of pages: 37 Posted: 19 Jul 2025
Francisco González, Jose E. Gutierrez and José María Serena
Universidad de Oviedo, Banco de España and Banco de España
Downloads 26 (1,415,710)

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lending relationships, main banks, loan default, non-performing loans, zombie lending

5.

The dual impact of employment protection on corporate debt

Number of pages: 38 Posted: 19 Nov 2025
Carlo Chiarella, Pablo Garcia-Estevez and Francisco González
CUNEF Universidad, - Colegio Universitario de Estudios Financieros (CUNEF) and Universidad de Oviedo
Downloads 38 (1,222,651)

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Employment Protection, Capital structure, Debt Structure, Trade Union Power, Creditor Rights

6.

Credit Supply in the Wake of Distressed Bank Acquisitions

Number of pages: 73 Posted: 13 May 2026
Jose E. Gutierrez, Ryan Banerjee, José María Serena and Francisco González
Banco de España, Bank for International Settlements (BIS), Banco de España and Universidad de Oviedo
Downloads 16 (1,500,778)

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Bank resolution, Resolution tools, Sale-of-business tool, Credit supply.