Pub Date : 2021-09-02DOI: 10.1007/s10693-021-00361-0
Sahan, Selay, Phimister, Euan
This study shows that monetary incentives together with performance disclosures lead to significant increases in effort and productivity in the multi-branch banking industry. Our results are based on an incentivized credit card campaign run by a commercial bank in which employees were paid a piece-rate if they sold a credit card to a customer. Later in the campaign, the head office started to provide daily performance reports for all branches of the bank. The campaign ultimately resulted in a significant 12.5% increase in the average daily productivity of branch staff and productivity changes found were heterogeneous across different branches.
{"title":"Worker Incentives in the Banking Industry","authors":"Sahan, Selay, Phimister, Euan","doi":"10.1007/s10693-021-00361-0","DOIUrl":"https://doi.org/10.1007/s10693-021-00361-0","url":null,"abstract":"<p>This study shows that monetary incentives together with performance disclosures lead to significant increases in effort and productivity in the multi-branch banking industry. Our results are based on an incentivized credit card campaign run by a commercial bank in which employees were paid a piece-rate if they sold a credit card to a customer. Later in the campaign, the head office started to provide daily performance reports for all branches of the bank. The campaign ultimately resulted in a significant 12.5% increase in the average daily productivity of branch staff and productivity changes found were heterogeneous across different branches.</p>","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138531196","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-08-13DOI: 10.1007/s10693-021-00362-z
Kolev, Atanas, Maurin, Laurent, Segol, Matthieu
We use loan-by-loan association between non-financial firms and their banks to disentangle the effects of financial weakness of borrowers and lenders on the satisfaction with the loan contracted. We construct indices measuring the financial weakness of borrowers and lenders. We find evidence of both demand and supply factors determining firm satisfaction with bank loan financing, especially regarding cost and collateral requirement. We also find that the impact of supply factors differs across regions within the EU: it is significant in periphery and cohesion countries but not in core countries where access to market is easier.
{"title":"What Makes Firms Dissatisfied with Their Bank Loans: New Evidence from Survey Data","authors":"Kolev, Atanas, Maurin, Laurent, Segol, Matthieu","doi":"10.1007/s10693-021-00362-z","DOIUrl":"https://doi.org/10.1007/s10693-021-00362-z","url":null,"abstract":"<p>We use loan-by-loan association between non-financial firms and their banks to disentangle the effects of financial weakness of borrowers and lenders on the satisfaction with the loan contracted. We construct indices measuring the financial weakness of borrowers and lenders. We find evidence of both demand and supply factors determining firm satisfaction with bank loan financing, especially regarding cost and collateral requirement. We also find that the impact of supply factors differs across regions within the EU: it is significant in periphery and cohesion countries but not in core countries where access to market is easier.</p>","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-08-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138531193","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-07-27DOI: 10.1007/s10693-021-00360-1
A. Amendola, C. Barra, Marinella Boccia, Anna Papaccio
{"title":"Market Structure and Financial Stability: the Interaction between Profit-Oriented and Mutual Cooperative Banks in Italy","authors":"A. Amendola, C. Barra, Marinella Boccia, Anna Papaccio","doi":"10.1007/s10693-021-00360-1","DOIUrl":"https://doi.org/10.1007/s10693-021-00360-1","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00360-1","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47600727","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-07-26DOI: 10.1007/s10693-021-00356-x
F. Hernández-Trillo, Ana Laura Martínez-Gutiérrez
{"title":"The Dark Road to Credit Applications: The Small-Business Case of Mexico","authors":"F. Hernández-Trillo, Ana Laura Martínez-Gutiérrez","doi":"10.1007/s10693-021-00356-x","DOIUrl":"https://doi.org/10.1007/s10693-021-00356-x","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-07-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00356-x","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48373969","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-07-08DOI: 10.1007/s10693-023-00398-3
Manuela Dantas, Kenneth J. Merkley, F. Silva
{"title":"Government Guarantees and Banks’ Income Smoothing","authors":"Manuela Dantas, Kenneth J. Merkley, F. Silva","doi":"10.1007/s10693-023-00398-3","DOIUrl":"https://doi.org/10.1007/s10693-023-00398-3","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-07-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48500981","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-06-25DOI: 10.1007/s10693-021-00359-8
C. Hott
{"title":"Leverage and Risk Taking under Moral Hazard","authors":"C. Hott","doi":"10.1007/s10693-021-00359-8","DOIUrl":"https://doi.org/10.1007/s10693-021-00359-8","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00359-8","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49145606","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-06-11DOI: 10.1007/s10693-021-00354-z
Shuang Feng, Chang Liu, Xiaoling Pu
{"title":"Connected Lending in Bank Lines of Credit","authors":"Shuang Feng, Chang Liu, Xiaoling Pu","doi":"10.1007/s10693-021-00354-z","DOIUrl":"https://doi.org/10.1007/s10693-021-00354-z","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00354-z","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46582867","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-06-07DOI: 10.1007/s10693-021-00357-w
Benjamin Hemingway
{"title":"Banking Regulation and Collateral Screening in a Model of Information Asymmetry","authors":"Benjamin Hemingway","doi":"10.1007/s10693-021-00357-w","DOIUrl":"https://doi.org/10.1007/s10693-021-00357-w","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00357-w","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48604211","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-04-21DOI: 10.1007/s10693-021-00353-0
J. Bertrand, P. Klein, J. Soula
{"title":"Liquidity Creation and Trust Environment","authors":"J. Bertrand, P. Klein, J. Soula","doi":"10.1007/s10693-021-00353-0","DOIUrl":"https://doi.org/10.1007/s10693-021-00353-0","url":null,"abstract":"","PeriodicalId":51503,"journal":{"name":"Journal of Financial Services Research","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2021-04-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10693-021-00353-0","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46810534","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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