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- W3044399246 abstract "We provide evidence that regions in the U.S. with higher income inequality tend to have a riskier banking sector. However, not all banks are more risky, as reflected in a higher dispersion of bank risk. We show how a model based on risk-shifting incentives where banks channel insured deposits into subprime loans can accountfor both findings. In equilibrium, a competition to risk-shift emerges, leading to a subprime lending boom in which loans to high-risk borrowers carry negative NPVs. Some banks engage in risk-shifting by lending to high-risk subprime borrowers, while the rest specialize in lending to low-risk prime borrowers." @default.
- W3044399246 created "2020-07-29" @default.
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- W3044399246 date "2021-01-01" @default.
- W3044399246 modified "2023-09-27" @default.
- W3044399246 title "Unequal andunstable: income inequality and bank risk" @default.
- W3044399246 hasPublicationYear "2021" @default.
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