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New Perspectives About Financial Intermediation: Disruption By Senior Managers And Financial Technologies, Yu Shan
Dissertations, Theses, and Capstone Projects
This dissertation consists of three chapters that span managerial styles, financial technologies, and social interactions.
Chapter 1 Banks increase credit risk-taking in syndicated bank loans when their systemic risk increases; however, the interrelationship across risks depends on bank managerial styles. Using a connectedness sampling method to differentiate patterns of business policy styles and systemic risk-taking among managers, I find that credit risk-taking is more sensitive to the bank's systemic risk if the manager exhibits a preference for systemic risk. Asset-innovating managers (exhibiting a preference for non-traditional forms of income and assets) take higher credit risk in their loan portfolios, but …