{"id":"https://openalex.org/W4285055313","doi":"https://doi.org/10.2139/ssrn.4098615","title":"Back to the Real Economy: The Effects of Risk Mispricing on the Term Premium and Bank Lending","display_name":"Back to the Real Economy: The Effects of Risk Mispricing on the Term Premium and Bank Lending","publication_year":2022,"publication_date":"2022-01-01","ids":{"openalex":"https://openalex.org/W4285055313","doi":"https://doi.org/10.2139/ssrn.4098615"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.4098615","doi":"https://doi.org/10.2139/ssrn.4098615","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4098615","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"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":"posted-content"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.4098615","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5018152206","display_name":"Julieta Yung","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I1320395740","display_name":"Federal Deposit Insurance Corporation","ror":"https://ror.org/01ytw4e80","country_code":"US","type":"government","lineage":["https://openalex.org/I1320395740"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Julieta Yung","raw_affiliation_strings":["Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20006","Federal Deposit Insurance Corporation"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20006","institution_ids":["https://openalex.org/I1320395740"]},{"raw_affiliation_string":"Federal Deposit Insurance Corporation","institution_ids":["https://openalex.org/I1320395740"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5044408645","display_name":"Kristina Bluwstein","orcid":"https://orcid.org/0000-0001-9215-8195","observed_orcids":["https://orcid.org/0000-0001-9215-8195"]},"institutions":[{"id":"https://openalex.org/I46860202","display_name":"Bank of England","ror":"https://ror.org/04p3y0q03","country_code":"GB","type":"other","lineage":["https://openalex.org/I46860202"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Kristina Bluwstein","raw_affiliation_strings":["Bank of England, Threadneedle Street, London, EC2R 8AH, United Kingdom","Bank of England"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Bank of England, Threadneedle Street, London, EC2R 8AH, United Kingdom","institution_ids":["https://openalex.org/I46860202"]},{"raw_affiliation_string":"Bank of England","institution_ids":["https://openalex.org/I46860202"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5018152206"],"corresponding_institution_ids":["https://openalex.org/I1320395740"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.4514000117778778,"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"}},"topics":[{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.4514000117778778,"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/T12137","display_name":"Economic theories and models","score":0.37040001153945923,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.15440000593662262,"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/term-premium","display_name":"term premium","score":0.9629999995231628},{"id":"https://openalex.org/keywords/bank-lending","display_name":"bank lending","score":0.8389999866485596},{"id":"https://openalex.org/keywords/bond-market","display_name":"bond market","score":0.7390000224113464},{"id":"https://openalex.org/keywords/credit-supply","display_name":"credit supply","score":0.6700000166893005},{"id":"https://openalex.org/keywords/heterogeneous-banks","display_name":"heterogeneous banks","score":0.7630000114440918},{"id":"https://openalex.org/keywords/credit-booms","display_name":"credit booms","score":0.5040000081062317},{"id":"https://openalex.org/keywords/recession","display_name":"economic recession","score":0.7739999890327454},{"id":"https://openalex.org/keywords/dsge-model","display_name":"DSGE model","score":0.7480000257492065}],"concepts":[{"id":"https://openalex.org/C61797465","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Term (time)","level":2,"score":0.7231804132461548},{"id":"https://openalex.org/C151541453","wikidata":"https://www.wikidata.org/wiki/Q523022","display_name":"Risk premium","level":2,"score":0.5615630149841309},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5390723347663879},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.5261698961257935},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.37066513299942017},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.0},{"id":"https://openalex.org/C62520636","wikidata":"https://www.wikidata.org/wiki/Q944","display_name":"Quantum mechanics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.2139/ssrn.4098615","doi":"https://doi.org/10.2139/ssrn.4098615","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4098615","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"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":"posted-content"}],"best_oa_location":{"id":"doi:10.2139/ssrn.4098615","doi":"https://doi.org/10.2139/ssrn.4098615","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.4098615","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"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":"posted-content"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":80,"referenced_works":["https://openalex.org/W841055867","https://openalex.org/W1495883506","https://openalex.org/W1562701093","https://openalex.org/W1574786337","https://openalex.org/W1635528400","https://openalex.org/W1823237607","https://openalex.org/W1902924596","https://openalex.org/W1936266449","https://openalex.org/W1972228252","https://openalex.org/W1992827070","https://openalex.org/W1995398792","https://openalex.org/W2007435227","https://openalex.org/W2011224622","https://openalex.org/W2020097823","https://openalex.org/W2027063727","https://openalex.org/W2028238460","https://openalex.org/W2061489468","https://openalex.org/W2074150513","https://openalex.org/W2086270352","https://openalex.org/W2086556391","https://openalex.org/W2087292465","https://openalex.org/W2087386422","https://openalex.org/W2098224216","https://openalex.org/W2115657206","https://openalex.org/W2118775685","https://openalex.org/W2119956701","https://openalex.org/W2124532652","https://openalex.org/W2137731109","https://openalex.org/W2140667952","https://openalex.org/W2146207816","https://openalex.org/W2147277739","https://openalex.org/W2151993164","https://openalex.org/W2161280218","https://openalex.org/W2163287545","https://openalex.org/W2163683534","https://openalex.org/W2234817438","https://openalex.org/W2240968826","https://openalex.org/W2262074371","https://openalex.org/W2269884629","https://openalex.org/W2278991637","https://openalex.org/W2412227522","https://openalex.org/W2529671856","https://openalex.org/W2545951854","https://openalex.org/W2592866391","https://openalex.org/W2604730130","https://openalex.org/W2605232069","https://openalex.org/W2739283353","https://openalex.org/W2794441253","https://openalex.org/W2891159187","https://openalex.org/W2923803554","https://openalex.org/W2953966589","https://openalex.org/W2973633424","https://openalex.org/W3044318314","https://openalex.org/W3121197078","https://openalex.org/W3121349211","https://openalex.org/W3121567201","https://openalex.org/W3121722776","https://openalex.org/W3121886650","https://openalex.org/W3121935849","https://openalex.org/W3122085014","https://openalex.org/W3122497171","https://openalex.org/W3122764680","https://openalex.org/W3122965465","https://openalex.org/W3123374514","https://openalex.org/W3123553454","https://openalex.org/W3123724866","https://openalex.org/W3123874260","https://openalex.org/W3124082184","https://openalex.org/W3124784935","https://openalex.org/W3124909576","https://openalex.org/W3125416191","https://openalex.org/W3125443048","https://openalex.org/W3125912523","https://openalex.org/W3126081245","https://openalex.org/W4214747899","https://openalex.org/W4230876447","https://openalex.org/W4236584637","https://openalex.org/W4241680058","https://openalex.org/W4290458953","https://openalex.org/W6752266499"],"related_works":["https://openalex.org/W2958178884","https://openalex.org/W2560280548","https://openalex.org/W2099330007","https://openalex.org/W7098151185","https://openalex.org/W4313049798","https://openalex.org/W3121735751","https://openalex.org/W4256500619","https://openalex.org/W4317254372","https://openalex.org/W3047074877","https://openalex.org/W3121408533"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2022-07-13T00:00:00"}