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Contributions published at Banking (Christoph Basten)

Contribution
Anastasia Kartasheva, Anastasia Kartasheva, Carol Park, The Impact of Rating Standards on Financial Institution Risk-Taking. Evidence from Catastrophe Risks in Insurance, In: Swiss Winter Conference on Financial Intermediation 2021. 2021. (Conference Presentation) null
Redaktion, Steven Ongena, Christoph Basten, La place financière suisse reste dans le peloton de tête, In: SFI market, 17 March 2021. (Media Coverage) La place financière suisse continue de se montrer à la hauteur de sa bonne réputation internationale en matière de réglementation. C'est ce que montre la récente étude menée par le Swiss Finance Institute (SFI), qui, pour la seconde fois après l’édition inaugurale de 2020, compare 31 centres financiers internationaux grâce à son indice de réglementation récemment actualisé. Comme l'année dernière, la Suisse occupe la quatrième place, juste derrière la Finlande, la Suède et le Danemark
Laura Del Favero, Christoph Basten, Börsianer dürfen auf ein erfolgreiches 2021 hoffen, In: NAU News für die Schweiz, 11 January 2021. (Media Coverage) Die Börse blickt auf ein turbulentes Jahr zurück. Doch viele Märkte sind schon wieder auf Erfolgskurs – und das schürt Hoffnung für 2021.
Christoph Basten, Steven Ongena, Mortgage Lending through a FinTech Web Platform. The Roles of Competition, Diversification, and Automation, In: CUREM Working Paper Series, No. 10, 2021. (Working Paper) We analyze how banks offer and price mortgages through an online platform where they reach also regions in which they lack branches. We use unique data on responses from different banks to each applying household and exploit exogenous variation in prior competition. We find banks to offer more often and at lower margins to more concentrated markets, arguably motivated by more profitable refinancing and cross-selling opportunities. Banks also improve their inter-regional portfolio diversification with more attractive offers to regions more complementary to home markets. Choices become increasingly automated, reducing operating costs.
Christoph Basten, Discussion of "Sticky Deposit Rates and Allocative Effects of Monetary Policy (Duquerroy-Matray-Saidi)", In: Banque de France Seminar. 2020. (Conference Presentation) null
Christoph Basten, Mike Mariathasan, Interest Rate Pass-Through and Bank Risk-Taking Under Negative-Rate Policies with Tiered Remuneration of Central Bank Reserves, In: SFI Discussion Papers, No. 20-98, 2020. (Working Paper) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: European Banking Authority (EBA) Annual Policy Research Workshop. 2020. (Conference Presentation) null
Bruno Staffelbach, Discussion of "How is the mortgage market affected by loan-loss provision regulation? Evidence from administrative data in Chile", In: Norges Bank Annual Conference on "Frontier Research in Banking". 2020. (Conference Presentation) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: Banque de France ACPR Research Seminar. 2020. (Conference Presentation) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: MIT Conference on "The Future of Housing Finance". 2020. (Conference Presentation) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: BIS-CEPR Conference "Financial innovation: Implications for competition, regulation, and monetary policy". 2020. (Conference Presentation) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech., In: 2020 Annual Meeting of the Central Bank Research Association (CEBRA). 2020. (Conference Presentation) null
Dario Calonder, Wie werden in verschiedenen OECD-Staaten Liegenschaften bewertet und wie beeinflusst das die Hypothekarvergabe?, University of Zurich, Faculty of Business, Economics and Informatics, 2020. (Bachelor's Thesis) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: European Finance Assocation (EFA) Annual Congress, The Geography of Mortgage Lending in Times of FinTech. 2020. (Conference Presentation) null
Barbara Scherer, Christoph Basten, Darum zocken Schweizer jetzt online wie wild an der Börse, In: 20 Minuten, 12 August 2020. (Media Coverage) Die Onlinebank Swissquote hat seit der Corona-Pandemie so viele Handelskonten wie noch nie. Viele Leute hatten im Homeoffice wohl Zeit, sich mit dem Handel von Wertpapieren zu beschäftigen.
Nicola Baumann, What determines a household's inflation perceptions and expectations?, University of Zurich, Faculty of Business, Economics and Informatics, 2020. (Master's Thesis) null
Celine Schoch, Vergabe von Online Hypotheken in England. Wie kommen die Preise auf dem Peer-to-Peer Markt zustande?, University of Zurich, Faculty of Business, Economics and Informatics, 2020. (Bachelor's Thesis) null
Dario de Nardo, Welche Reformen wären nötig, um die 2. Säule Altersvorsorge in der Schweiz nachhaltig zu reformieren und die Umverteilung zwischen Generationen zu vermeiden?, University of Zurich, Faculty of Business, Economics and Informatics, 2020. (Bachelor's Thesis) null
Jan Skobe, European Banks’ Profitability; its Challenges, Determinants and Remedies, University of Zurich, Faculty of Business, Economics and Informatics, 2020. (Master's Thesis) null
Christoph Basten, Steven Ongena, The Geography of Mortgage Lending in Times of FinTech, In: CEPR Discussion Papers, No. 14918, 2020. (Working Paper) How does banks' geographical footprint change when a FinTech platform allows offering mortgages to regions without branch presence? Unique data on responses from different banks to each household yield three salient findings: First, banks offer 4% more often and 6 basis points cheaper when markets have high versus low concentration, implying more profitable follow-on business. Second, they offer 2% more often and 2 bps cheaper when unemployment or house price growth in the applicant's state are one standard deviation less correlated with those at home, improving portfolio diversification. Third, these offers are increasingly automated, using available hard information more efficiently.

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