{"title":"人口增长、建筑和银行业","authors":"A. Antoniades","doi":"10.2139/ssrn.3701501","DOIUrl":null,"url":null,"abstract":"US counties with higher population growth prior to 2000, experienced higher growth in residential construction in the run-up to the financial crisis of 2007-08. Banks operating in these counties shifted their loan portfolios more aggressively towards construction loans and away from other non-real estate loans. Although shifts towards construction lending that followed local construction activity did not lead to higher loan default rates, more aggressive shifts did.","PeriodicalId":428959,"journal":{"name":"Household Finance eJournal","volume":"132 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2020-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Population Growth, Building, and Banking\",\"authors\":\"A. Antoniades\",\"doi\":\"10.2139/ssrn.3701501\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"US counties with higher population growth prior to 2000, experienced higher growth in residential construction in the run-up to the financial crisis of 2007-08. Banks operating in these counties shifted their loan portfolios more aggressively towards construction loans and away from other non-real estate loans. Although shifts towards construction lending that followed local construction activity did not lead to higher loan default rates, more aggressive shifts did.\",\"PeriodicalId\":428959,\"journal\":{\"name\":\"Household Finance eJournal\",\"volume\":\"132 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-09-29\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Household Finance eJournal\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3701501\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Household Finance eJournal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3701501","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
US counties with higher population growth prior to 2000, experienced higher growth in residential construction in the run-up to the financial crisis of 2007-08. Banks operating in these counties shifted their loan portfolios more aggressively towards construction loans and away from other non-real estate loans. Although shifts towards construction lending that followed local construction activity did not lead to higher loan default rates, more aggressive shifts did.
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