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DTSTART;TZID=Europe/Paris:20250916T120000
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DTSTAMP:20250910T064320Z
CREATED:20250707T193025Z
LAST-MODIFIED:20250910T064320Z
UID:24441-1758024000-1758028500@www.bse.u-bordeaux.fr
SUMMARY:Séminaire: Ulrich Schüwer (Goethe Univ. Frankfurt)
DESCRIPTION:Séminaire d’économie de Bordeaux\n  \nUlrich Schüwer\n(Goethe Univ. Frankfurt) \n  \nDisaster risk\, foreclosure laws and mortgage lending\nThis paper examines how local disaster risk – a specific dimension of credit risk – and state foreclosure regimes jointly shape mortgage lending. Using HMDA data on jumbo applications (ineligible for GSE purchase) matched to census-tract disaster-risk measures\, I find that high disaster risk reduces the approval probability only in borrower-friendly states (nonrecourse or judicial): by about 5–6 percentage points for loan applications in the top decile of disaster risk. Loan terms of approved loans also adjust with the regime: loan-to-value ratios decline and interest rates rise with disaster risk more in nonrecourse than in recourse states\, though magnitudes are small. The results highlight how foreclosure laws materially affect the pass-through of location-specific risk to credit allocation and pricing. Conversely\, the effects of foreclosure laws depend on local (disaster) risk. Analyses that ignore this interaction can overlook\, understate\, or overstate the effects of disaster risk and foreclosure law.\n \n \n \n \n– Séminaire organisé par le programme 4 / BSE –\n  \n>> pour assister au séminaire via Zoom\, contacter julie.vissaguet@u-bordeaux.fr \n\n \nAgenda > Tous les événements\n\n \n  \n  \n 
URL:https://www.bse.u-bordeaux.fr/agenda/seminaire-ulrich-schuwer-goethe-univ-frankfurt/
LOCATION:BxSE\, salle de séminaire H2-116\, bât.H\, campus Pessac\, avenue Leon Duguit\, Pessac\, 33600
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DTSTART;TZID=Europe/Paris:20250916T180000
DTEND;TZID=Europe/Paris:20250916T200000
DTSTAMP:20250903T091202Z
CREATED:20250903T091202Z
LAST-MODIFIED:20250903T091202Z
UID:24499-1758045600-1758052800@www.bse.u-bordeaux.fr
SUMMARY:Débat Eco "Le devenir du secteur automobile" (B. Jullien)
DESCRIPTION:Débat Eco\n📍Bibliothèque BSE\n  \nBernard Jullien \n(BSE) \n« Le devenir du secteur automobile »\n  \n  \n  \nen partenariat avec l’association le Café économique de Pessac \n  \n  \n  \n  \nAgenda > Tous les évènements
URL:https://www.bse.u-bordeaux.fr/agenda/debat-eco-le-devenir-du-secteur-automobile-b-julliendebat-eco-modeles-agricoles-et-transitions/
LOCATION:Bibliothèque BxSE\, bât H\,  1er étage\, campus Pessac
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