Information and bank credit allocation

Article Abstract:

Private information that is obtained by banks assists the banks in capturing the borrower and making decisions related to loan portfolio allocation. Results of the study indicate that banks without proper information charge higher interest rates and finance less creditworthy borrowers, they reallocate credit when faced by competition and the loan portfolio of informed banks can be affected by an increase in uninformed banks.

General services, Banking industry, Company systems management, Information management

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Portfolio choice and health status

Article Abstract:

An analysis of household portfolio decisions indicates that the households in poor health are less likely to hold risky financial assets. Poor health is associated with a smaller share of financial wealth held in risky assets and a larger share in safe assets.

Financial management, Health Care and Social Assistance, HEALTH SERVICES, Administration of Public Health Programs, Health Care Services, Medical & Health Services, Company investment, Investments, Medical care, Households, Medical care (Private), Global economy

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How do fund strategies affect fund performance? When performance-maximization is not the only game in town.

Article Abstract:

The industry structure is very important when one considers the U.S. mutual fund industry. It is further shown, that the degree of product differentiation negatively affects performance and positively affects fund proliferation.

Management investment, open-end, Mutual fund industry

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