Shadow bank, risk-taking, and real estate financing: Evidence from the online loan market

Shadow bank, risk-taking, and real estate financing: Evidence from the online loan market

This paper examines whether and how individual risk-taking behavior affects real estate financing through shadow banks. Using the loan data from an online platform in China, we show that riskier households tend to employ online loans to meet the increasing down-payment in their home purchase. Indivi...

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Bibliographic Details
Main Authors: DENG, Xiaoying, LIU, Chong, ONG, Eng Seow
Format: text
Language:English
Published: Institutional Knowledge at Singapore Management University 2024
Subjects:
Online lending
risk taking
real estate loans
house purchase restrictions
Asian Studies
Finance and Financial Management
Real Estate
Online Access:https://ink.library.smu.edu.sg/lkcsb_research/7239
https://ink.library.smu.edu.sg/context/lkcsb_research/article/8238/viewcontent/ShadowBank_av.pdf
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Institution: Singapore Management University
Language: English

Internet

https://ink.library.smu.edu.sg/lkcsb_research/7239
https://ink.library.smu.edu.sg/context/lkcsb_research/article/8238/viewcontent/ShadowBank_av.pdf

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