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Odious Debt

Seema Jayachandran and Michael Kremer

in Sovereign Debt at the Crossroads: Challenges and Proposals for Resolving the Third World Debt Crisis

Published in print:
2006
Published Online:
May 2006
ISBN:
9780195168006
eISBN:
9780199783458
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0195168003.003.0011
Subject:
Economics and Finance, Development, Growth, and Environmental

This chapter discusses the problem of illegitimate debt from a new angle. Instead of focusing on borrowers, it focuses on the role and incentives of creditors who lend to questionable governments for ... More


Dissent in Everyday Borrowing

Paul Langley

in The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America

Published in print:
2008
Published Online:
September 2008
ISBN:
9780199236596
eISBN:
9780191717079
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199236596.003.0010
Subject:
Economics and Finance, Financial Economics

This chapter considers additional modes of financial dissent. It examines credit art projects that (re)politicize everyday borrowing precisely by playing on the difficulties of personal and political ... More


The Inequalities of Everyday Borrowing

Paul Langley

in The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America

Published in print:
2008
Published Online:
September 2008
ISBN:
9780199236596
eISBN:
9780191717079
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199236596.003.0008
Subject:
Economics and Finance, Financial Economics

This chapter focuses on inequalities of everyday borrowing that, over the last decade or so, have become increasingly marked by hierarchical variations in the interest rates paid by borrowers. It ... More


The Uncertain Subjects of Everyday Borrowing

Paul Langley

in The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America

Published in print:
2008
Published Online:
September 2008
ISBN:
9780199236596
eISBN:
9780191717079
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199236596.003.0009
Subject:
Economics and Finance, Financial Economics

This chapter focuses on the embodiment of the borrowing boom, and the re-making of mortgagors and credit card borrowers in particular. The first part of the chapter concentrates on the responsible ... More


Spatial Variety versus Centralization: Change in Eighteenth-Century Credit Markets

Philip T. Hoffman, Gilles Postel-Vinay, and Jean-Laurent Rosenthal

in Dark Matter Credit

Published in print:
2019
Published Online:
May 2019
ISBN:
9780691182179
eISBN:
9780691185057
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691182179.003.0003
Subject:
Business and Management, Business History

This chapter talks about how in the long buildup to the 1780s, the economy had been growing, along with the population, literacy rates, and inequality. At the same time, the volume of private lending ... More


The Revolution: Collapse, Reform, and Modeling the Space of Debt

Philip T. Hoffman, Gilles Postel-Vinay, and Jean-Laurent Rosenthal

in Dark Matter Credit

Published in print:
2019
Published Online:
May 2019
ISBN:
9780691182179
eISBN:
9780691185057
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691182179.003.0004
Subject:
Business and Management, Business History

This chapter focuses on the French Revolution's impact on credit markets and the long-term implications for lending. It begins with the revolution's fundamental institutional reforms, which shaped ... More


New England: Small Banks and Familial Ties

Howard Bodenhorn

in State Banking in Early America: A New Economic History

Published in print:
2002
Published Online:
November 2003
ISBN:
9780195147766
eISBN:
9780199832910
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0195147766.003.0004
Subject:
Economics and Finance, Economic History

New England banks were smaller than banks in other regions of the United States and they were more likely to be run by families. The region's banks were not impersonal dispensers of credit in ... More


Information Problems

Nicholas Barr

in The Welfare State as Piggy Bank: Information, Risk, Uncertainty, and the Role of the State

Published in print:
2001
Published Online:
November 2003
ISBN:
9780199246595
eISBN:
9780191595936
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199246599.003.0011
Subject:
Economics and Finance, Public and Welfare

Information problems constrain the usefulness of consumer choice about school education, suggesting that the state will continue to provide the bulk of finance for school education and, separately, ... More


Designing Student Loans

Nicholas Barr

in The Welfare State as Piggy Bank: Information, Risk, Uncertainty, and the Role of the State

Published in print:
2001
Published Online:
November 2003
ISBN:
9780199246595
eISBN:
9780191595936
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199246599.003.0012
Subject:
Economics and Finance, Public and Welfare

Imperfect information, risk, and uncertainty create capital market imperfections. As a result, conventional loans, i.e. mortgage‐type loans, are both inefficient and inequitable. Income‐contingent ... More


Understanding the Balance Sheet

Hrishikes Bhattacharya

in Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk–Return Framework

Published in print:
2011
Published Online:
September 2012
ISBN:
9780198074106
eISBN:
9780199080861
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198074106.003.0011
Subject:
Economics and Finance, Financial Economics

A balance sheet indicates the state of a business as on a particular date. Along with a profit and loss account it tells us how the funds flowed through the business during a given period. This ... More


Small Business Loan

Hrishikes Bhattacharya

in Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk–Return Framework

Published in print:
2011
Published Online:
September 2012
ISBN:
9780198074106
eISBN:
9780199080861
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198074106.003.0019
Subject:
Economics and Finance, Financial Economics

This chapter presents a case study to highlight the approach and techniques used to appraise a small credit proposal. Small loans granted by the banks may turn out to be bad debts. It shows that ... More


Credit Risk Analysis

Hrishikes Bhattacharya

in Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk–Return Framework

Published in print:
2011
Published Online:
September 2012
ISBN:
9780198074106
eISBN:
9780199080861
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198074106.003.0020
Subject:
Economics and Finance, Financial Economics

This chapter analyzes why a business or a project fails to meet its debt-service commitments. It is devoted to a full-scale credit risk analysis of a lending decision and pricing of a particular risk ... More


The Economic Role of Corporate Grouping and the Main Bank System

Takeo Hoshi

in The Japanese Firm: Sources of Competitive Strength

Published in print:
1994
Published Online:
October 2011
ISBN:
9780198288152
eISBN:
9780191684579
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198288152.003.0012
Subject:
Economics and Finance, South and East Asia

This chapter opens by describing several stylized facts of corporate grouping in general and the firm's relationship with its main bank in particular. It then goes on to summarize the main results of ... More


The formation of credit relationships

Chris Briggs

in Credit and Village Society in Fourteenth-Century England

Published in print:
2009
Published Online:
January 2012
ISBN:
9780197264416
eISBN:
9780191734342
Item type:
chapter
Publisher:
British Academy
DOI:
10.5871/bacad/9780197264416.003.0003
Subject:
History, British and Irish Modern History

This chapter examines the investigating techniques employed by the borrowers for identifying and selecting lenders and vice versa in creating credit relationships and transactions. It examines the ... More


Creditors and debtors

Chris Briggs

in Credit and Village Society in Fourteenth-Century England

Published in print:
2009
Published Online:
January 2012
ISBN:
9780197264416
eISBN:
9780191734342
Item type:
chapter
Publisher:
British Academy
DOI:
10.5871/bacad/9780197264416.003.0004
Subject:
History, British and Irish Modern History

In the previous studies about medieval creditors and debtors, two main points were constant: 1) creditors tended to be richer than the debtors; and 2) creditors and debtors tended not to overlap; an ... More


Governance Matters: The IMF and Sub‐Saharan Africa

Ngaire Woods

in Finance, Development, and the IMF

Published in print:
2009
Published Online:
September 2009
ISBN:
9780199239863
eISBN:
9780191716805
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199239863.003.0012
Subject:
Economics and Finance, Financial Economics, Development, Growth, and Environmental

This chapter examines the IMF's relationship with Sub-Saharan Africa, explaining the political pressures which have shaped the Fund's engagement with countries on the continent. It explores the way ... More


Mortgages

Bar-Gill Oren

in Seduction by Contract: Law, Economics, and Psychology in Consumer Markets

Published in print:
2012
Published Online:
September 2012
ISBN:
9780199663361
eISBN:
9780191751660
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199663361.003.0004
Subject:
Law, Company and Commercial Law

This chapter examines the subprime mortgage contract and its central design features. It shows that for many borrowers these contractual design features were not welfare maximizing. In fact, to the ... More


State Guarantees as State Aid: Some Practical Difficulties

Mark Friend

in The Law of State Aid in the European Union

Published in print:
2004
Published Online:
March 2012
ISBN:
9780199265329
eISBN:
9780191699030
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199265329.003.0012
Subject:
Law, EU Law

This chapter offers an overview of the evolution of the European Commission's policy on State guarantees. It also emphasizes a number of practical difficulties to which the Commission's current ... More


Quistclose Trusts

Robert Chambers

in Resulting Trusts

Published in print:
1997
Published Online:
March 2012
ISBN:
9780198764441
eISBN:
9780191695254
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198764441.003.0004
Subject:
Law, Law of Obligations

Quistclose trust is still the subject of academic debate. This chapter looks at resulting trusts which arise when property has been transferred to be utilized for certain ... More


Lender Incentives, Credit Risk, and Securitization: Evidence from the Subprime Mortgage Crisis

Amir Sufi

in A Debtor World: Interdisciplinary Perspectives on Debt

Published in print:
2012
Published Online:
January 2013
ISBN:
9780199873722
eISBN:
9780199980000
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199873722.003.0004
Subject:
Law, Company and Commercial Law

This chapter focuses on the tension between the preservation of lender incentives and shedding credit risk. It addresses this issue in three steps. First, it discusses foundational theories of ... More


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