Hongyu Xiao - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-29T13:34:24+00:00How Far Do Canadians Need to Travel to Access Cash?
https://www.bankofcanada.ca/2023/11/staff-discussion-paper-2023-28/
This paper develops a travel-based metric to measure Canadians’ access to cash from automated banking machines (ABMs) and financial institution branches. We find that, overall, access to cash remained stable between 2019 and 2022. The total number of ABMs in Canada increased by 3.7% and the total number of branches decreased by 5.2% during that period.2023-11-16T14:45:18+00:00enHow Far Do Canadians Need to Travel to Access Cash?2023-11-16Bank notesFinancial servicesRegional economic developmentsStaff Discussion Paper 2023-28https://www.bankofcanada.ca/wp-content/uploads/2023/11/sdp2023-28.pdfHow Far Do Canadians Need to Travel to Access Cash?Heng ChenDaneal O’HabibHongyu XiaoNovember 2023GG2G21JJ1J15RR5R51Geographical and Cultural Proximity in Retail Banking
https://www.bankofcanada.ca/2023/01/staff-working-paper-2023-2/
This paper measures how both geographical and cultural proximity of bank branches affect household credit choice and pricing. For credit products that require high levels of ex-ante screening, we find that both proximities can complement each other in reducing the cost of providing soft information, thereby increasing credit access.2023-01-05T07:36:06+00:00enGeographical and Cultural Proximity in Retail Banking2023-01-05Credit and credit aggregatesFinancial institutionsFinancial servicesStaff Working Paper 2023-2https://www.bankofcanada.ca/wp-content/uploads/2023/01/swp2023-2.pdfGeographical and Cultural Proximity in Retail BankingSantiago Carbo-ValverdeHéctor Pérez SaizHongyu XiaoJanuary 2023DD8D82D83GG2G20G21RR2R22ZZ1Z10Z13Early Warning of Financial Stress Events: A Credit-Regime-Switching Approach
https://www.bankofcanada.ca/2016/04/staff-working-paper-2016-21/
We propose an early warning model for predicting the likelihood of a financial stress event for a given future time, and examine whether credit plays an important role in the model as a non-linear propagator of shocks.2016-04-27T13:39:57+00:00enEarly Warning of Financial Stress Events: A Credit-Regime-Switching Approach2016-04-27Econometric and statistical methodsFinancial stabilityStaff Working Paper 2016-21https://www.bankofcanada.ca/wp-content/uploads/2016/04/swp2016-21.pdfEarly Warning of Financial Stress Events: A Credit-Regime-Switching ApproachFuchun LiHongyu XiaoApril 2016CC1C12C14GG0G01G1G17