{"id":"https://openalex.org/W2090417665","doi":"https://doi.org/10.1016/s0378-4266(96)00017-9","title":"The behavior of consumer loan rates during the 1990 credit slowdown","display_name":"The behavior of consumer loan rates during the 1990 credit slowdown","publication_year":1996,"publication_date":"1996-12-01","ids":{"openalex":"https://openalex.org/W2090417665","doi":"https://doi.org/10.1016/s0378-4266(96)00017-9","mag":"2090417665"},"language":"en","primary_location":{"id":"doi:10.1016/s0378-4266(96)00017-9","doi":"https://doi.org/10.1016/s0378-4266(96)00017-9","is_oa":false,"landing_page_url":"https://doi.org/10.1016/s0378-4266(96)00017-9","pdf_url":null,"source":{"id":"https://openalex.org/S2876017","display_name":"Journal of Banking & Finance","issn_l":"0378-4266","issn":["0378-4266","1872-6372"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-1","jufo-2","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Banking & Finance","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5049456100","display_name":"Cara S. Lown","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I43638361","display_name":"Federal Reserve Bank of New York","ror":"https://ror.org/05hwvzg47","country_code":"US","type":"other","lineage":["https://openalex.org/I1317239608","https://openalex.org/I43638361"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Cara Lown","raw_affiliation_strings":["Main 922, Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Main 922, Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045, USA","institution_ids":["https://openalex.org/I43638361"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5042363203","display_name":"Stavros C. Peristiani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I43638361","display_name":"Federal Reserve Bank of New York","ror":"https://ror.org/05hwvzg47","country_code":"US","type":"other","lineage":["https://openalex.org/I1317239608","https://openalex.org/I43638361"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Stavros Peristiani","raw_affiliation_strings":["Main 922, Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Main 922, Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045, USA","institution_ids":["https://openalex.org/I43638361"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5042363203"],"corresponding_institution_ids":["https://openalex.org/I43638361"],"apc_list":{"value":3340,"currency":"USD","value_usd":3340},"apc_paid":null,"fwci":2.3936,"has_fulltext":false,"cited_by_count":50,"citation_normalized_percentile":{"value":0.90875871,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":"20","issue":"10","first_page":"1673","last_page":"1694"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11496","display_name":"Credit Risk and Financial Regulations","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.5360000133514404},{"id":"https://openalex.org/keywords/loan-interest-rates","display_name":"loan interest rates","score":0.7039999961853027},{"id":"https://openalex.org/keywords/credit-crunch","display_name":"credit crunch","score":0.6340000033378601},{"id":"https://openalex.org/keywords/bank-capital","display_name":"bank capital","score":0.6499999761581421},{"id":"https://openalex.org/keywords/undercapitalized-banks","display_name":"undercapitalized banks","score":0.9670000076293945},{"id":"https://openalex.org/keywords/bank-lending-behavior","display_name":"bank lending behavior","score":0.6669999957084656},{"id":"https://openalex.org/keywords/bank-funding-costs","display_name":"bank funding costs","score":0.8209999799728394},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.6480000019073486}],"concepts":[{"id":"https://openalex.org/C2777242750","wikidata":"https://www.wikidata.org/wiki/Q31351","display_name":"Slowdown","level":2,"score":0.9645392298698425},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7661309838294983},{"id":"https://openalex.org/C2780614964","wikidata":"https://www.wikidata.org/wiki/Q811154","display_name":"Crunch","level":2,"score":0.7392600774765015},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.6185066103935242},{"id":"https://openalex.org/C180879305","wikidata":"https://www.wikidata.org/wiki/Q590998","display_name":"Credit crunch","level":2,"score":0.6127383708953857},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5480858683586121},{"id":"https://openalex.org/C2909371097","wikidata":"https://www.wikidata.org/wiki/Q176494","display_name":"Economic slowdown","level":2,"score":0.4148328900337219},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.40319687128067017},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3978523015975952},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.30086714029312134},{"id":"https://openalex.org/C18547055","wikidata":"https://www.wikidata.org/wiki/Q47417","display_name":"International economics","level":1,"score":0.13101264834403992},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.054297298192977905},{"id":"https://openalex.org/C1862650","wikidata":"https://www.wikidata.org/wiki/Q186005","display_name":"Physical therapy","level":1,"score":0.0},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1016/s0378-4266(96)00017-9","doi":"https://doi.org/10.1016/s0378-4266(96)00017-9","is_oa":false,"landing_page_url":"https://doi.org/10.1016/s0378-4266(96)00017-9","pdf_url":null,"source":{"id":"https://openalex.org/S2876017","display_name":"Journal of Banking & Finance","issn_l":"0378-4266","issn":["0378-4266","1872-6372"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-1","jufo-2","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Banking & Finance","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:eee:jbfina:v:20:y:1996:i:10:p:1673-1694","doi":null,"is_oa":false,"landing_page_url":"http://www.sciencedirect.com/science/article/pii/S0378-4266(96)00017-9","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[],"sustainable_development_goals_aurora":[{"display_name":"Partnerships for the goals","score":0.41999998688697815,"id":"https://metadata.un.org/sdg/17"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":25,"referenced_works":["https://openalex.org/W1503699668","https://openalex.org/W1507777820","https://openalex.org/W1528044708","https://openalex.org/W1541459672","https://openalex.org/W1599229719","https://openalex.org/W1633268707","https://openalex.org/W1969057730","https://openalex.org/W1985916531","https://openalex.org/W2031484770","https://openalex.org/W2039690424","https://openalex.org/W2044464163","https://openalex.org/W2052103964","https://openalex.org/W2058942766","https://openalex.org/W2065741243","https://openalex.org/W2073727737","https://openalex.org/W2079991669","https://openalex.org/W2083088926","https://openalex.org/W2087724977","https://openalex.org/W2119961872","https://openalex.org/W2127247488","https://openalex.org/W2142146916","https://openalex.org/W2797116245","https://openalex.org/W2975531555","https://openalex.org/W4210805340","https://openalex.org/W6636601118"],"related_works":["https://openalex.org/W2024590303","https://openalex.org/W2026294643","https://openalex.org/W4375851556","https://openalex.org/W1488963616","https://openalex.org/W1552842605","https://openalex.org/W7008708398","https://openalex.org/W2142052054","https://openalex.org/W4300806751","https://openalex.org/W1548147175","https://openalex.org/W1543288596"],"abstract_inverted_index":null,"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":2},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":1},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":2},{"year":2015,"cited_by_count":1},{"year":2013,"cited_by_count":5},{"year":2012,"cited_by_count":3}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2016-06-24T00:00:00"}