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Securitization and Credit Quality*

Securitization and Credit Quality* »

Source: Securitization and Credit Quality

Volume/Issue: 2016/221

Series: IMF Working Papers

Author(s): David Marques?Ibanez

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 15 November 2016

ISBN: 9781475553765

Keywords: Securities, Corporate sector, Credit, Credit risk, Borrowing, Banks, Europe, Loans, Econometric models, Collateral management

Banks are usually better informed on the loans they originate than other financial intermediaries. As a result, securitized loans might be of lower credit quality than otherwise similar nonsecuritized loans. We ass...

Designing Legal Frameworks for Public Debt Management

Designing Legal Frameworks for Public Debt Management »

Source: Designing Legal Frameworks for Public Debt Management

Volume/Issue: 2015/147

Series: IMF Working Papers

Author(s): Elsie Addo Awadzi

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 02 July 2015

ISBN: 9781513529561

Keywords: National Debt, Government loans and guarantees, Legal framework for Public Debt Management, debt, public debt, legal framework, Governmental Loans and Credits,

Sustainable public debt has gained renewed attention as countries implement fiscal consolidation measures in the aftermath of the global financial crisis. Sound public debt policies and debt management practices re...

Home Sweet Home

Home Sweet Home »

Source: Home Sweet Home : Government's Role in Reaching the American Dream

Volume/Issue: 2011/191

Series: IMF Working Papers

Author(s): Evridiki Tsounta

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 August 2011

ISBN: 9781462307258

Keywords: Housing finance, homeownership, tax expenditures, government guarantees, mortgage, mortgage interest, mortgages, Governmental Loans, Loan Guarantees, Credits

This paper investigates the role of government intervention in achieving the American dream of homeownership. The study analyzes the role of tax deductions in housing finance, including their impact on homeownershi...

International Evidence on Government Support and Risk Taking in the Banking Sector1

International Evidence on Government Support and Risk Taking in the Banking Sector1 »

Source: International Evidence on Government Support and Risk Taking in the Banking Sector

Volume/Issue: 2013/94

Series: IMF Working Papers

Author(s): Luis Brandao Marques , Ricardo Correa , and Horacio Sapriza

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 02 May 2013

ISBN: 9781484309346

Keywords: Bank risk, Market Discipline, Government Support, Bank Regulation, bank risk taking, banking, deposit insurance, foreign currency deposit, Government Policy and Regulation, Governmental Loans and Credits

Government support to banks through the provision of explicit or implicit guarantees affects the willingness of banks to take on risk by reducing market discipline or by increasing charter value. We use an internat...

LTV and DTI Limits—Going Granular1

LTV and DTI Limits—Going Granular1 »

Source: LTV and DTI Limits-Going Granular

Volume/Issue: 2015/154

Series: IMF Working Papers

Author(s): Luis I. Jacome H. , and Srobona Mitra

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 15 July 2015

ISBN: 9781513551449

Keywords: loan-to-value ratios, debt-service-to income ratios, house price growth, credit growth, credit, loans, loan, mortgage, debt, Financial Markets and the Macroeconomy

There is increasing interest in loan-to-value (LTV) and debt-service-to-income (DTI) limits as many countries face a new round of rising house prices. Yet, very little is known on how these regulatory instruments w...

With Great Power Comes Great Responsibility

With Great Power Comes Great Responsibility »

Source: With Great Power Comes Great Responsibility : Macroprudential Tools at Work in Canada

Volume/Issue: 2014/83

Series: IMF Working Papers

Author(s): Ivo Krznar , and James Morsink

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 12 May 2014

ISBN: 9781484383445

Keywords: housing market, mortgage insurance, macroprudential regulation, mortgage, mortgages, mortgage credit, mortgage loans, Government Policy and Regulation, General,

The goal of this paper is to assess the effectiveness of the policy measures taken by Canadian authorities to address the housing boom. We find that the the last three rounds of macroprudential policies implemented...

Borrower Protection and the Supply of Credit

Borrower Protection and the Supply of Credit »

Source: Borrower Protection and the Supply of Credit : Evidence from Foreclosure Laws

Volume/Issue: 2014/212

Series: IMF Working Papers

Author(s): Jihad Dagher , and Yangfan Sun

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 26 November 2014

ISBN: 9781498367875

Keywords: Borrower protection, foreclosure laws, credit supply, regulation, GSEs, foreclosure, borrower, loan, default, Consumer Protection

Laws governing the foreclosure process can have direct consequences on the costs of foreclosure and could therefore affect lending decisions. We exploit the heterogeneity in the judicial requirements across U.S. st...

State-Owned Banks and Fiscal Discipline

State-Owned Banks and Fiscal Discipline »

Source: State-Owned Banks and Fiscal Discipline

Volume/Issue: 2013/206

Series: IMF Working Papers

Author(s): Jesus Gonzalez-Garcia , and Francesco Grigoli

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 03 October 2013

ISBN: 9781484392805

Keywords: Soft budget constraint, state-owned banks, fiscal discipline, crowding out, banking, banking system, bank, Governmental Loans and Credits, crowding out.,

State-owned banks may help to soften the financing constraints of public sector entities and consequently become a factor that hampers fiscal discipline. Using a panel dataset, we find that a larger presence of sta...

Finland's Public Sector Balance Sheet

Finland's Public Sector Balance Sheet »

Source: Finland's Public Sector Balance Sheet : A Novel Approach to Analysis of Public Finance

Volume/Issue: 2018/78

Series: IMF Working Papers

Author(s): Maren Brede , and Christian Henn

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 06 April 2018

ISBN: 9781484349885

Keywords: Finland, Debt sustainability, Europe, Public Sector Balance Sheet, Intertemporal Fiscal Balances, General, Social Security and Public Pensions, Forecasts of Budgets, Deficits, and Debt

We construct a comprehensive public sector balance sheet for Finland from 2000 to 2016 by complementing general government statistics with data on public corporations and public pensions. We show that exposure to v...

Counting the Oil Money and the Elderly: Norway's Public Sector Balance Sheet

Counting the Oil Money and the Elderly: Norway's Public Sector Balance Sheet »

Source: Counting the Oil Money and the Elderly: Norway's Public Sector Balance Sheet

Volume/Issue: 2018/190

Series: IMF Working Papers

Author(s): Ezequiel Cabezon , and Christian Henn

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 27 August 2018

ISBN: 9781484370117

Keywords: Europe, Norway, Public Sector Balance Sheet, Intertemporal Fiscal Balances, Debt Sustainability, General, Social Security and Public Pensions, General, Governmental Loans and Credits, Norway

Based on a permanent income analysis, Gagnon (2018) has prominently suggested that Norway has saved too much, thereby free-riding on the rest of the world for demand. Our public sector balance sheet analysis comes...