Auflistung LIF-SAFE Working Papers nach Autor "Schüwer, Ulrich"
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Add-On Pricing in Retail Financial Markets and the Fallacies of Consumer Education
Kosfeld, Michael; Schüwer, Ulrich (2016-07-11)We analyze the consequences of consumer education on prices and welfare in retail financial markets when some consumers are naive about shrouded addon prices and banks try to exploit this. Allowing for different information ... -
How Do Banks React to Catastrophic Events? Evidence from Hurricane Katrina
Schüwer, Ulrich; Lambert, Claudia; Noth, Felix (2017-09-01)This paper explores how banks react to an exogenous shock caused by Hurricane Katrina in 2005, and how the structure of the banking system affects economic development following the shock. Independent banks based in the ... -
How do insured deposits affect bank risk? Evidence from the 2008 Emergency Economic Stabilization Act
Lambert, Claudia; Noth, Felix; Schüwer, Ulrich (2014-10-01)This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced by the U.S. Emergency Economic Stabilization Act in October 2008, which increased the deposit insurance ... -
Natural Disaster and Bank Stability: Evidence from the U.S. Financial System
Noth, Felix; Schüwer, Ulrich (2018-04-01)We show that property damages from weather-related natural disasters significantly weaken the stability of banks with business activities in affected regions, as reflected in lower z-scores, higher probabilities of default, ... -
What Drives Banks' Geographic Expansion? The Role of Locally Non-Diversifiable Risk
Gropp, Reint E.; Noth, Felix; Schüwer, Ulrich (2019-03-06)We show that banks that are facing relatively high locally non-diversifiable risks in their home region expand more across states than banks that do not face such risks following branching deregulation in the United States ...