Journal Article
Securitization: more than just a regulatory artifact
Samolyk, Katherine A.; Carlstrom, Charles T. (1992-05)
An exploration of the recent boom in asset-backed lending, or securitization, by both financial institutions and nonbank firms, which the authors contend is more the result of improvements in information technology than a response to the regulatory costs of traditional bank funding.
Economic Commentary , Issue May

Working Paper
Portfolio risks and bank asset choice
Samolyk, Katherine A. (1989)
An investigation of the effects of credit risk and interest-rate risk on bank portfolio choices, showing how bank capital inadequacy may prevent a bank from investing in the optimal portfolio and how the efficiency of the bank's intermediation technology affects its choice of second-best portfolio.
Working Papers (Old Series) , Paper 8913

Journal Article
In search of the elusive credit view: testing for a credit channel in modern Great Britain
Samolyk, Katherine A. (1990-04)
An examination of the credit performance of the financial sector in the modern British economy, showing that problems in credit markets associated with debt and default/liquidation can disrupt the production of real financial services necessary to channel funds to efficient investment opportunities.
Economic Review , Volume 26 , Issue Q II , Pages 16-28

Journal Article
Banking and the flow of funds: are banks losing market share?
Samolyk, Katherine A. (1994-09)
A look at both the reported decline in the share of nonfinancial-sector credit intermediated by banks and the consolidation of the industry into fewer, but larger, institutions, revealing that banks today account for nearly the same share of outstanding household and nonfinancial business-sector debt as they did 30 years ago.
Economic Commentary , Issue Sep

Working Paper
The role of banks in influencing regional flow of funds
Samolyk, Katherine A. (1989)
A presentation of a theoretical model of regional banking using plausible information asymmetries to explain how local bank capital may affect the funding of regional investments, concluding that regional banking conditions can affect the efficiency of investment and the level of future aggregate output.
Working Papers (Old Series) , Paper 8914

Journal Article
The M2 slowdown and depository intermediation: implications for monetary policy
Samolyk, Katherine A.; Carlson, John B. (1992-09)
An examination of credit flow rechanneling away from depository institutions over the past decade in response to evolving financial markets and regulatory structure, and a discussion of how this trend has complicated monetary policymaking.
Economic Commentary , Issue Sep

Journal Article
Examining the microfoundations of market incentives for asset-backed lending
Samolyk, Katherine A.; Carlstrom, Charles T. (1993-01)
A review of four papers that model market-based (as opposed to regulatory-based) forces driving the asset-backed lending market, revealing that under certain conditions, the information costs that make financial markets important as conduits of credit can also create nonregulatory incentives for asset-backed lending as an efficient funding mode.
Economic Review , Volume 29 , Issue Q I , Pages 27-38

Journal Article
Is household debt inhibiting the recovery?
Altig, David E.; Samolyk, Katherine A.; Byrne, Susan M. (1992-02)
An examination of the pattern of household debt and asset levels in a historical context, whose results cast doubt on the presumption that heavy consumer debt loads incurred during the 1980s are the cause of the economy's current sluggishness.
Economic Commentary , Issue Feb

Conference Paper
Payday lending: do the costs justify the price?
Samolyk, Katherine A.; Flannery, Mark J. (2005)
Proceedings , Paper 949

Conference Paper
The impact of bank consolidation on CRA business lending
Richardson, Christopher A.; Samolyk, Katherine A. (2001)
Proceedings , Paper 771