Auflistung LIF-SAFE Working Papers nach Autor "Hanspal, Tobin"

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    • Consuming Dividends 

      Bräuer, Konstantin; Hackethal, Andreas; Hanspal, Tobin (2020-05-01)
      This paper studies why investors buy dividend-paying assets and how they time their consumption accordingly. We combine administrative bank data linking customers’ consumption transactions and income to detailed portfolio ...

    • Exposure to the COVID-19 Stock Market Crash and its Effect on Household Expectations 

      Hanspal, Tobin; Weber, Annika; Wohlfart, Johannes (2020-05-21)
      We survey a representative sample of US households to study how exposure to the COVID-19 stock market crash affects expectations and planned behavior. Wealth shocks are associated with upward adjustments of expectations ...

    • Financial Literacy and Self-Control in FinTech: Evidence from a Field Experiment on Online Consumer Borrowing 

      Bu, Di; Hanspal, Tobin; Liao, Yin; Liu, Yong (2019-10-14)
      We report the results of a longitudinal intervention with students across five universities in China designed to reduce online consumer debt. Our research design allocates individuals to either a financial literacy treatment, ...

    • Risk Taking, Preferences, and Beliefs: Evidence from Wuhan 

      Bu, Di; Hanspal, Tobin; Liao, Yin; Liu, Yong (2020-03-24)
      We study risk taking in a panel of subjects in Wuhan, China - before, during the COVID-19 crisis, and after the country reopened. Subjects in our sample traveled for semester break in January, generating variation in ...

    • The Effect of Personal Financing Disruptions on Entrepreneurship 

      Hanspal, Tobin (2018-10-14)
      This paper studies how disruptions to personal sources of financing, aside from commercial lending supply shocks, impair the survival and growth of small businesses. Entrepreneurs holding deposit accounts at retail banking ...

    • The Geography of Alternative Work 

      Bäckman, Claes; Hanspal, Tobin (2018-04-27)
      The increase in alternative working arrangements has sparked a debate over the positive impact of increased flexibility against the negative impact of decreased financial security. We study the prevalence and determinants ...

    • Who Are the Bitcoin Investors? Evidence from Indirect Cryptocurrency Investments 

      Lammer, Dominique Marcel; Hanspal, Tobin; Hackethal, Andreas (2019-12-10)
      Cryptocurrencies have received growing attention from individuals, the media, and regulators. However, little is known about the investors whom these financial instruments attract. Using administrative data, we describe ...