Determinants of Collateral

By Jesús Saurina Salas, Vicente Salas-Fumás, Gabriel Jiménez. 2004

482 citations recorded by the source corpus.

Subfields: Accounting, Finance

View Paper: https://www.semanticscholar.org/paper/3008aaffe54f53576001046d87045fec395738aa

How researchers see this paper

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In Accounting

1. Saibal Ghosh
2. Monomita Nandy
3. Abhiman Das
4. Suman Lodh
5. Roman Matousek

In Finance

1. Saibal Ghosh
2. Monomita Nandy
3. Abhiman Das
4. Suman Lodh
5. Roman Matousek

Citations in the corpus

• Do Banks Value the Eco-Friendliness of Firms’ in Their Corporate Lending Decision? Some Empirical Evidence (2012, background): “Lenders are interested to use collateral when they have risky borrowers (Berger and Udell, 1990, Jimenez et al., 2006).”
• Credit Risk and Commercial Banks Performance in Tanzania: a Panel Data Analysis (2013, background): “Abhimal and Saibal (2007), Gabriel et al (2006); Samad (2012) and Ahmad and Ariff (2007); in their academic works, pointed out a number of determinants of credit risk in banks; First, inefficient banks performing poor screening and monitoring of borrowers will tend to have inferior portfolio 9 ,…”
• A Lender-Based Theory of Collateral (2007, unknown): “…2000), and–controlling for observable borrower risk–collateralized loans appear to be riskier in the sense that they default more often (Jiménez and Saurina, 2004; Jiménez, Salas, and Saurina, 2005) and have worse performance in terms of payments past due and non-accruals (Berger and Udell, 1990).”
• Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation (2007, background): “As the upturn recedes and recessionary tendencies gather momentum, the decline in asset values leads to a lowering in collateral values, leading to an overall decline in credit standards, aggravating bad loans and fueling credit cycles (Gabriel et al., 2006).”
• How Collateral Laws Shape Lending and Sectoral Activity (2016, unknown): “…Rajan and Winton (1995), Gorton and Kahn (2000), Longhofer and Santos (2000), John et al. (2003), Djankov et al. (2003), Benmelech et al. (2005), Jimenez et al. (2006), Gan (2007), Djankov et al. (2007), Ono and Uesugi (2009), Benmelech (2009), Benmelech and Bergman (2009, 2011), Berger et al.…”
• The Impact of CFO Gender on Bank Loan Contracting (2013, unknown): “Berger and Udell (1990) and Jimenez, Salas, and Saurina (2006) show that lenders are more likely to use collateral when borrowers have a higher information risk.”
• Credit Booms and Lending Standards: Evidence from the Subprime Mortgage Market (2008, unknown): “This hypothesis is explored at length, though in a different context, in Jimenez et al. (2007). 11 One explanation for this result relies on the fact that prime mortgages are mostly fixed-rate and are by definition underwritten for the fully-indexed cost while subprime mortgages are mostly adjustabl”
• Does Collateral Help Mitigate Adverse Selection? A Cross-Country Analysis (2011, unknown): “As observed by Jimenez et al. (2006), this latter finding might be explained by the fact that larger loans reduce the amount of collateral because they imply a higher payoff for the bank in the good states of the world.”