Reputation and Persistence of Adverse Selection in Secondary Loan Markets

S-Tier
Journal: American Economic Review
Year: 2014
Volume: 104
Issue: 12
Pages: 4027-70

Score contribution per author:

2.681 = (α=2.01 / 3 authors) × 4.0x S-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

The volume of new issuances in secondary loan markets fluctuates over time and falls when collateral values fall. We develop a model with adverse selection and reputation that is consistent with such fluctuations. Adverse selection ensures that the volume of trade falls when collateral values fall. Without reputation, the equilibrium has separation, adverse selection is quickly resolved, and trade volume is independent of collateral value. With reputation, the equilibrium has pooling and adverse selection persists over time. The equilibrium is efficient unless collateral values are low and originators' reputational levels are low. We describe policies that can implement efficient outcomes. (JEL D82, G11, G21, G28)

Technical Details

RePEc Handle
repec:aea:aecrev:v:104:y:2014:i:12:p:4027-70
Journal Field
General
Author Count
3
Added to Database
2026-01-25