Title:

Loan Spreads and Credit Cycles: The Role of Lenders' Personal Economic Experiences

Authors:

Daniel Carvalho ( Indiana U Bloomington)
Janet Gao (Georgetown U)
Pengfei Ma ( Indiana U Bloomington)

Journal:

Journal of Financial Economics

Year:

2023

Volume:

148

Number:

2

Pages:

118-149

JEL codes:

R31 - Housing Supply and Markets
G21 - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
G32 - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure