[{"user_id":"64756","article_type":"letter_note","abstract":[{"lang":"eng"}],"status":"public","date_created":"2018-10-09T09:04:17Z","jel":["G21","G28"],"volume":49,"author":[{"first_name":"Tobias","last_name":"Schlueter"},{"last_name":"Busch","first_name":"Ramona"},{"last_name":"Sievers","first_name":"Soenke"},{"last_name":"Hartmann-Wendels","first_name":"Thomas"}],"keyword":[],"publication":"Credit and Capital Markets--Kredit und Kapital","issue":"1","intvolume":" 49","_id":"4586","citation":{"short":"T. Schlueter, R. Busch, S. Sievers, T. Hartmann-Wendels, Credit and Capital Markets--Kredit Und Kapital 49 (2016) 93–125.","ieee":"T. Schlueter, R. Busch, S. Sievers, and T. Hartmann-Wendels, “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?,” Credit and Capital Markets--Kredit und Kapital, vol. 49, no. 1, pp. 93–125, 2016.","chicago":"Schlueter, Tobias, Ramona Busch, Soenke Sievers, and Thomas Hartmann-Wendels. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets--Kredit Und Kapital 49, no. 1 (2016): 93–125. https://doi.org/10.3790/ccm.49.1.93.","apa":"Schlueter, T., Busch, R., Sievers, S., & Hartmann-Wendels, T. (2016). Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets--Kredit Und Kapital, 49(1), 93–125. https://doi.org/10.3790/ccm.49.1.93","mla":"Schlueter, Tobias, et al. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets--Kredit Und Kapital, vol. 49, no. 1, 2016, pp. 93–125, doi:10.3790/ccm.49.1.93.","bibtex":"@article{Schlueter_Busch_Sievers_Hartmann-Wendels_2016, title={Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?}, volume={49}, DOI={10.3790/ccm.49.1.93}, number={1}, journal={Credit and Capital Markets--Kredit und Kapital}, author={Schlueter, Tobias and Busch, Ramona and Sievers, Soenke and Hartmann-Wendels, Thomas}, year={2016}, pages={93–125} }"},"type":"journal_article","uri_base":"https://ris.uni-paderborn.de","page":"93-125","dc":{"identifier":["https://ris.uni-paderborn.de/record/4586"],"date":["2016"],"relation":["info:eu-repo/semantics/altIdentifier/doi/10.3790/ccm.49.1.93"],"description":["This study examines the loan-pricing behavior of German banks for a large variety of retail and corporate loan products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior. Specifically, we establish that a higher degree of operational efficiency leads to lower loan markups, which makes prices more competitive and smoothes the setting of interest rates. By employing state-of-the-art stochastic frontier efficiency measures to capture a bank’s operational efficiency, we take a look at the bank customers’ perspective and demonstrate the extent to which bor-rowers benefit from cost-efficient banking. "],"source":["Schlueter T, Busch R, Sievers S, Hartmann-Wendels T. Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets--Kredit und Kapital. 2016;49(1):93-125. doi:10.3790/ccm.49.1.93"],"creator":["Schlueter, Tobias","Busch, Ramona","Sievers, Soenke","Hartmann-Wendels, Thomas"],"title":["Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?"],"rights":["info:eu-repo/semantics/closedAccess"],"subject":["interest rate pass-through models","error correction models","bank efficiency","cost efficiency","stochastic frontier analysis"],"language":["eng"],"type":["info:eu-repo/semantics/article","doc-type:article","text","http://purl.org/coar/resource_type/c_6501"]},"publication_status":"published","dini_type":"doc-type:article","department":[{"_id":"275","tree":[{"_id":"186"},{"_id":"19"},{"_id":"44"},{"_id":"43"}]}],"creator":{"id":"64756","login":"haggarty"},"date_updated":"2022-01-06T07:01:14Z","language":[{}]}]