Tobias Berg

Goethe University Frankfurt

House of Finance

Grueneburgplatz 1

Frankfurt am Main, Hessen 60323

Germany

  • Goethe University Frankfurt

SCHOLARLY PAPERS

27

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22,722

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Top 1,978

in Total Papers Citations

736

CROSSREF CITATIONS

76

Scholarly Papers (27)

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1.

On the Rise of FinTechs – Credit Scoring Using Digital Footprints

Downloads 6,831 ( 1,873)
Citation 154

On the Rise of FinTechs – Credit Scoring Using Digital Footprints

Michael J. Brennan Irish Finance Working Paper Series Research Paper No. 18-12
Number of pages: 66 Posted: 12 May 2018 Last Revised: 15 Aug 2019
Tobias Berg, Valentin Burg, Ana Gombović and Manju Puri
Goethe University Frankfurt, Humboldt University, Frankfurt School of Finance & Management and Duke University - Fuqua School of Business
Downloads 6,705 (1,922)
Citation 42

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FinTech, Lending, Unbanked Households, Privacy, Credit Bureau Scores

On the Rise of Fintechs – Credit Scoring Using Digital Footprints

NBER Working Paper No. w24551
Number of pages: 51 Posted: 02 May 2018 Last Revised: 30 Jan 2023
Tobias Berg, Valentin Burg, Ana Gombović and Manju Puri
Goethe University Frankfurt, Humboldt University of Berlin, Frankfurt School of Finance & Management and Duke University - Fuqua School of Business
Downloads 126 (383,130)
Citation 2

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2.

Does Contingent Capital Induce Excessive Risk-Taking?

Journal of Financial Intermediation, Forthcoming
Number of pages: 55 Posted: 17 Nov 2010 Last Revised: 11 Feb 2015
Tobias Berg and Christoph Kaserer
Goethe University Frankfurt and Technische Universität München (TUM)
Downloads 1,682 (18,508)
Citation 30

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Contingent capital, banking regulation, risk-taking incentives, asset substitution, debt overhang, credit crunch

3.

From Actual to Risk-Neutral Default Probabilities: Merton and Beyond

Number of pages: 36 Posted: 03 Mar 2009
Tobias Berg
Goethe University Frankfurt
Downloads 1,571 (20,525)
Citation 7

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credit spreads, risk premia, structural models of default, unobservable asset values

4.

Handling Spillover Effects in Empirical Research

Number of pages: 66 Posted: 23 May 2019 Last Revised: 29 Oct 2020
Tobias Berg, Markus Reisinger and Daniel Streitz
Goethe University Frankfurt, Frankfurt School of Finance & Management - Economics Department and Halle Institute for Economic Research
Downloads 1,088 (35,301)
Citation 8

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Spillovers, Cournot, Salop, Agglomeration, Demand Spillovers, Direct vs. Indirect Effects, Credit Supply

5.

Estimating Equity Premia from CDS Spreads

EFA 2009 Bergen Meetings Paper
Number of pages: 30 Posted: 16 Oct 2007 Last Revised: 22 Jun 2016
Christoph Kaserer and Tobias Berg
Technische Universität München (TUM) and Goethe University Frankfurt
Downloads 1,025 (38,410)
Citation 2

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credit risk premim, equity premium, market sharpe ratio, credit risk, structural models of default

6.

The Total Cost of Corporate Borrowing in the Loan Market: Don't Ignore the Fees

Journal of Finance, Forthcoming
Number of pages: 49 Posted: 02 Nov 2012 Last Revised: 03 Apr 2015
Tobias Berg, Anthony Saunders and Sascha Steffen
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business and Frankfurt School of Finance & Management
Downloads 994 (40,106)
Citation 48

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Options and syndicated loans, fees, asymmetric information

7.

'Brexit' and the Contraction of Syndicated Lending

Number of pages: 36 Posted: 23 Nov 2016 Last Revised: 27 May 2020
Tobias Berg, Anthony Saunders, Larissa Schäfer and Sascha Steffen
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business, Frankfurt School of Finance & Management and Frankfurt School of Finance & Management
Downloads 946 (43,022)
Citation 4

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Brexit, Syndicated Loans, Competition, Financial Centers

8.

Trends in Corporate Borrowing

Downloads 849 (49,904)
Citation 14

Trends in Corporate Borrowing

Annual Review of Financial Economics, Vol. 13, pp. 321-340, 2021
Posted: 09 Nov 2021
Tobias Berg, Anthony Saunders and Sascha Steffen
Goethe University Frankfurt, New York University (NYU) and Frankfurt School of Finance & Management

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Trends in Corporate Borrowing

Annual Review of Financial Economics 2020, NYU Stern School of Business Forthcoming
Number of pages: 42 Posted: 25 Oct 2020
Tobias Berg, Anthony Saunders and Sascha Steffen
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business and Frankfurt School of Finance & Management
Downloads 849 (49,189)
Citation 14

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Corporate borrowing, loans, bonds, contingent liquidity, institutional investors, loan purposes

9.

Loan Officer Incentives, Internal Rating Models and Default Rates

Downloads 841 (50,554)
Citation 14

Loan Officer Incentives, Internal Rating Models and Default Rates

AFA 2013 San Diego Meetings Paper
Number of pages: 63 Posted: 16 Mar 2012 Last Revised: 19 Aug 2019
Tobias Berg, Manju Puri and Jörg Rocholl
Goethe University Frankfurt, Duke University - Fuqua School of Business and ESMT European School of Management and Technology
Downloads 786 (54,601)
Citation 14

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loan officer incentives, internal ratings, hard information, Lucas critique

Loan Officer Incentives and the Limits of Hard Information

NBER Working Paper No. w19051
Number of pages: 41 Posted: 18 May 2013 Last Revised: 23 Jul 2023
Tobias Berg, Manju Puri and Jörg Rocholl
Goethe University Frankfurt, Duke University - Fuqua School of Business and ESMT European School of Management and Technology
Downloads 55 (643,614)
Citation 1

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10.

What Explains the Difference in Leverage between Banks and Non-Banks?

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming
Number of pages: 56 Posted: 05 Mar 2016 Last Revised: 08 Mar 2016
Tobias Berg and Jasmin Gider
Goethe University Frankfurt and Tilburg University - Tilburg University School of Economics and Management
Downloads 835 (51,070)
Citation 4

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Bank Capital, Bank Leverage, Capital Regulation

11.

FinTech Lending

Downloads 831 (51,399)
Citation 13

FinTech Lending

Annual Review of Financial Economics, Vol. 14, pp. 187-207, 2022
Posted: 10 Nov 2022
Tobias Berg, Andreas Fuster and Manju Puri
Goethe University Frankfurt, École Polytechnique Fédérale de Lausanne and Duke University - Fuqua School of Business

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FinTech Lending

Swiss Finance Institute Research Paper No. 21-72
Number of pages: 28 Posted: 26 Oct 2021
Tobias Berg, Andreas Fuster and Manju Puri
Goethe University Frankfurt, École Polytechnique Fédérale de Lausanne and Duke University - Fuqua School of Business
Downloads 572 (82,302)
Citation 1

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FinTech, lending, COVID-19

Fintech Lending

NBER Working Paper No. w29421
Number of pages: 27 Posted: 01 Nov 2021 Last Revised: 22 May 2023
Tobias Berg, Andreas Fuster and Manju Puri
Goethe University Frankfurt, École Polytechnique Fédérale de Lausanne and Duke University - Fuqua School of Business
Downloads 259 (202,367)

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FinTech Lending

CEPR Discussion Paper No. DP16668
Number of pages: 29 Posted: 15 Nov 2021
Tobias Berg, Andreas Fuster and Manju Puri
Goethe University Frankfurt, École Polytechnique Fédérale de Lausanne and Duke University - Fuqua School of Business
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Citation 7
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COVID-19, Financial Intermediation, Fintech, lending

12.

The Term Structure of Risk Premia: Evidence from CDS Spreads

Downloads 770 (56,954)
Citation 4

The Term Structure of Risk Premia: Evidence from CDS Spreads

Number of pages: 43 Posted: 22 May 2009 Last Revised: 07 Jan 2013
Tobias Berg
Goethe University Frankfurt
Downloads 465 (106,317)
Citation 2

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time-varying risk premia, return predictability, credit risk, equity premium, structural models of default

The Term Structure of Risk Premia: New Evidence from the Financial Crisis

ECB Working Paper No. 1165
Number of pages: 48 Posted: 08 Apr 2010
Tobias Berg
Goethe University Frankfurt
Downloads 305 (170,892)
Citation 4

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credit risk, risk premia, equity premium, mean reversion, structural models of default

13.

Mind the Gap: The Difference between U.S. and European Loan Rates

Downloads 664 (69,275)
Citation 24

Mind the Gap: The Difference between U.S. and European Loan Rates

Number of pages: 55 Posted: 30 Nov 2013 Last Revised: 04 Sep 2017
Tobias Berg, Anthony Saunders, Sascha Steffen and Daniel Streitz
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business, Frankfurt School of Finance & Management and Halle Institute for Economic Research
Downloads 605 (76,909)
Citation 3

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Loans, corporate debt, fees, market integration, globalization

Mind the Gap: The Difference between U.S. and European Loan Rates

ZEW - Centre for European Economic Research Discussion Paper No. 16-018
Number of pages: 50 Posted: 12 Apr 2016
Tobias Berg, Anthony Saunders, Sascha Steffen and Daniel Streitz
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business, Frankfurt School of Finance & Management and Halle Institute for Economic Research
Downloads 59 (621,471)
Citation 23

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Loans, corporate debt, fees, market integration, globalization

14.

The Economics of “Buy Now, Pay Later”: A Merchant’s Perspective

Number of pages: 43 Posted: 21 May 2023 Last Revised: 18 Aug 2023
Tobias Berg, Valentin Burg, Jan Keil and Manju Puri
Goethe University Frankfurt, Humboldt University of Berlin, Humboldt University of Berlin and Duke University - Fuqua School of Business
Downloads 644 (73,777)
Citation 1

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BNPL, FinTech Lending, Payment, Consumer Credit

15.

Credit Supply Shocks: Financing Real Growth or Takeovers?

BAFFI CAREFIN Centre Research Paper No. 2015-14
Number of pages: 46 Posted: 01 Dec 2015 Last Revised: 02 Sep 2022
Tobias Berg, Daniel Streitz and Michael Wedow
Goethe University Frankfurt, Halle Institute for Economic Research and European Central Bank (ECB) - Directorate Financial Stability and Supervision
Downloads 461 (108,549)

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Inorganic Growth, Credit Supply, Real Effects, Securitization

16.

Playing the Devil's Advocate: The Causal Effect of Risk Management on Loan Quality

The Review of Financial Studies (Forthcoming)
Number of pages: 55 Posted: 11 May 2014 Last Revised: 30 Jun 2015
Tobias Berg
Goethe University Frankfurt
Downloads 434 (116,496)
Citation 25

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risk management, loan officer incentives, organizational design

17.

Got Rejected? Real Effects of Not Getting a Loan

Downloads 365 (141,872)
Citation 36

Got Rejected? Real Effects of Not Getting a Loan

Review of Financial Studies, Forthcoming
Number of pages: 72 Posted: 23 Apr 2018
Tobias Berg
Goethe University Frankfurt
Downloads 199 (260,638)
Citation 11

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Credit supply, cash holdings, real effects, SMEs, precautionary savings

Got Rejected? Real Effects of Not Getting a Loan

ECB Working Paper No. 1960
Number of pages: 50 Posted: 19 Sep 2016
Tobias Berg
Goethe University Frankfurt
Downloads 166 (306,151)
Citation 24

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Credit supply, real effects, liquidity demand, precautionary savings

18.

Out of sight, out of mind: Divestments and the Global Reallocation of Pollutive Assets

Number of pages: 54 Posted: 28 Feb 2023 Last Revised: 18 Aug 2023
Tobias Berg, Lin Ma and Daniel Streitz
Goethe University Frankfurt, Halle Institute for Economic Research and Halle Institute for Economic Research
Downloads 353 (148,998)

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Carbon Emissions, Divestments, Asset Sales, Paris Agreement

19.

Determinants of the Size of the Sovereign Credit Default Swap Market

Number of pages: 36 Posted: 13 Dec 2012 Last Revised: 18 Jan 2015
Tobias Berg and Daniel Streitz
Goethe University Frankfurt and Halle Institute for Economic Research
Downloads 305 (171,979)
Citation 1

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Sovereign Credit Default Swaps, Sovereign CDS Trading Volume, DTCC Data, Sovereign Credit Ratings

20.

The Total Costs of Corporate Borrowing in the Loan Market: Don't Ignore the Fees

ZEW - Centre for European Economic Research Discussion Paper No. 17
Number of pages: 51 Posted: 14 Sep 2018
Tobias Berg, Anthony Saunders and Sascha Steffen
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business and Frankfurt School of Finance & Management
Downloads 279 (191,446)
Citation 32

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21.

Payment Firms, Cryptocurrencies, and CBDCs

Number of pages: 45 Posted: 11 Apr 2023 Last Revised: 04 May 2023
Tobias Berg, Jan Keil, Felix Martini and Manju Puri
Goethe University Frankfurt, Humboldt University of Berlin, Frankfurt School of Finance & Management and Duke University - Fuqua School of Business
Downloads 241 (219,058)

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payment firms, cryptocurrencies, stablecoins, central bank digital currencies

22.

On the Rise of the FinTechs - Credit Scoring using Digital Footprints

FDIC Center for Financial Research Paper No. 2018-04
Number of pages: 51 Posted: 16 Oct 2018
Manju Puri, Tobias Berg, Valentin Burg and Ana Gombović
Duke University - Fuqua School of Business, Goethe University Frankfurt, Humboldt University of Berlin and Frankfurt School of Finance & Management
Downloads 171 (298,539)
Citation 3

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23.

Unintended Consequences of QE: Real Estate Prices and Financial Stability

LawFin Working Paper No. 27
Number of pages: 67 Posted: 11 Jan 2022 Last Revised: 28 Sep 2023
Tobias Berg, Rainer F. H. Haselmann, Thomas K. Kick and Sebastian Schreiber
Goethe University Frankfurt, Goethe University Frankfurt - Faculty of Economics and Business Administration, Deutsche Bundesbank and Goethe University Frankfurt
Downloads 163 (310,916)

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24.

An Analysis of the Consistency of Banks' Internal Ratings

Journal of Banking and Finance, Forthcoming
Number of pages: 41 Posted: 25 Jan 2017
Tobias Berg and Philipp Koziol
Goethe University Frankfurt and European Central Bank (ECB)
Downloads 145 (344,458)
Citation 11

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Internal Ratings, Basel Minimum Capital Requirements, IRB Approach, Bank Incentives, Bank Regulation

25.

Leverage and Risk-Taking in a Dynamic Model

Number of pages: 49 Posted: 11 Dec 2022
Tobias Berg and Florian Heider
Goethe University Frankfurt and Leibniz Institute for Financial Research SAFE
Downloads 141 (352,210)

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leverage, risk-taking incentives, dynamic model

26.

Online Appendix to 'Brexit' and the Contraction of Syndicated Lending

NYU Stern School of Business
Number of pages: 42 Posted: 22 Jun 2020
Tobias Berg, Anthony Saunders, Larissa Schäfer and Sascha Steffen
Goethe University Frankfurt, New York University - Leonard N. Stern School of Business, Frankfurt School of Finance & Management and Frankfurt School of Finance & Management
Downloads 90 (483,125)
Citation 8

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Brexit, Syndicated Loans, Banks, Financial Centers

27.

Spillover Effects in Empirical Corporate Finance

CEPR Discussion Paper No. DP15549
Number of pages: 68 Posted: 23 Dec 2020
Tobias Berg, Markus Reisinger and Daniel Streitz
Goethe University Frankfurt, Frankfurt School of Finance & Management - Economics Department and Halle Institute for Economic Research
Downloads 3 (1,035,134)
Citation 40
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