Details about Raluca Andreea Roman

Access statistics for papers by Raluca Andreea Roman.

Last updated 2025-02-07. Update your information in the RePEc Author Service.

Short-id: pro951

Working Papers

2024

1. Banking on Deforestation: The Cost of Nonenforcement
   Working Papers, Federal Reserve Bank of Philadelphia

2023

2. "Let Us Put Our Moneys Together": Minority-Owned Banks and Resilience to Crises
   Working Papers, Federal Reserve Bank of Philadelphia
3. Climate Risks in the U.S. Banking Sector: Evidence from Operational Losses and Extreme Storms
   Working Papers, Federal Reserve Bank of Philadelphia
4. Lending by Servicing: Monetary Policy Transmission Through Shadow Banks
   Working Papers, Federal Reserve Bank of Philadelphia View citations (1)
5. Social Capital and Mortgages
   Working Papers, Federal Reserve Bank of Philadelphia
6. The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards
   Working Papers, Federal Reserve Bank of Philadelphia

2021

7. A Tale of Two Bailouts: Effects of TARP and PPP on Subprime Consumer Debt
   Working Papers, Federal Reserve Bank of Philadelphia View citations (2)
8. Climate Change and Consumer Finance: A Very Brief Literature Review
   Consumer Finance Institute discussion papers, Federal Reserve Bank of Philadelphia View citations (1)
9. Is a Friend in Need a Friend Indeed? How Relationship Borrowers Fare during the COVID-19 Crisis
   Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
10. Piercing Through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses During Normal Times and the COVID-19 Crisis
    Working Papers, Federal Reserve Bank of Philadelphia View citations (5)
    See also Journal Article Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis, Journal of Political Economy, University of Chicago Press (2024) View citations (7) (2024)

2020

11. Bank Stress Test Results and Their Impact on Consumer Credit Markets
    Working Papers, Federal Reserve Bank of Philadelphia View citations (3)
12. Unexpected Effects of Bank Bailouts: Depositors Need Not Apply and Need Not Run
    Working Papers, Federal Reserve Bank of Philadelphia View citations (3)
    Also in Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium, Ghent University, Faculty of Economics and Business Administration (2020) View citations (3)

2019

13. Bank Size and Household Financial Sentiment: Surprising Evidence from the University of Michigan Surveys of Consumers
    Working Papers, Federal Reserve Bank of Philadelphia View citations (2)
    See also Journal Article Bank Size and Household Financial Sentiment: Surprising Evidence from University of Michigan Surveys of Consumers, Journal of Money, Credit and Banking, Blackwell Publishing (2020) View citations (4) (2020)

2016

14. Do bank bailouts reduce or increase systemic risk? the effects of TARP on financial system stability
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (17)

2015

15. Did bank borrowers benefit from the TARP program: the effects of TARP on loan contract terms
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (5)
16. Did saving Wall Street really save Main Street: the real effects of TARP on local economic conditions
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (38)
    See also Journal Article Did Saving Wall Street Really Save Main Street? The Real Effects of TARP on Local Economic Conditions, Journal of Financial and Quantitative Analysis, Cambridge University Press (2017) View citations (57) (2017)
17. Internationalization and bank risk
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (33)
    See also Journal Article Internationalization and Bank Risk, Management Science, INFORMS (2017) View citations (71) (2017)
18. Shareholder activism in banking
    Research Working Paper, Federal Reserve Bank of Kansas City View citations (3)

Journal Articles

2024

1. Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis
   Journal of Political Economy, 2024, 132, (2), 484 - 551 View citations (7)
   See also Working Paper Piercing Through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses During Normal Times and the COVID-19 Crisis, Working Papers (2021) View citations (5) (2021)

2023

2. Geographic deregulation and bank capital structure
   Journal of Banking & Finance, 2023, 149, (C) View citations (3)
3. Supply and Demand Effects of Bank Bailouts: Depositors Need Not Apply and Need Not Run
   Journal of Money, Credit and Banking, 2023, 55, (6), 1397-1442
4. The Economic Impact of the Opioid Epidemic
   Economic Insights, 2023, 8, (3), 8-15
5. Whose bailout is it anyway? The roles of politics in PPP bailouts of small businesses vs. banks
   Journal of Financial Intermediation, 2023, 56, (C)

2022

6. Bank bailouts, bail‐ins, or no regulatory intervention? A dynamic model and empirical tests of optimal regulation and implications for future crises
   Financial Management, 2022, 51, (4), 1031-1090 View citations (1)
7. Geographic deregulation and banks’ cost of equity capital
   Journal of International Money and Finance, 2022, 120, (C) View citations (1)
8. Supervisory enforcement actions against banks and systemic risk
   Journal of Banking & Finance, 2022, 140, (C) View citations (5)

2021

9. The Effects of Cultural Values on Bank Failures around the World
   Journal of Financial and Quantitative Analysis, 2021, 56, (3), 945-993 View citations (43)

2020

10. Bank Size and Household Financial Sentiment: Surprising Evidence from University of Michigan Surveys of Consumers
    Journal of Money, Credit and Banking, 2020, 52, (S1), 149-191 View citations (4)
    See also Working Paper Bank Size and Household Financial Sentiment: Surprising Evidence from the University of Michigan Surveys of Consumers, Working Papers (2019) View citations (2) (2019)
11. Did TARP reduce or increase systemic risk? The effects of government aid on financial system stability
    Journal of Financial Intermediation, 2020, 43, (C) View citations (35)
12. Winners and losers from supervisory enforcement actions against banks
    Journal of Corporate Finance, 2020, 60, (C) View citations (13)

2019

13. Do Business Borrowers Benefit from Bank Bailouts?: The Effects of TARP on Loan Contract Terms
    Financial Management, 2019, 48, (2), 575-639 View citations (26)
14. Does efficiency help banks survive and thrive during financial crises?
    Journal of Banking & Finance, 2019, 106, (C), 445-470 View citations (37)

2018

15. Bank Financial Restatements and Market Discipline
    Economic Review, 2018, (Q II), 25-53 View citations (3)
16. Lending implications of U.S. bank stress tests: Costs or benefits?
    Journal of Financial Intermediation, 2018, 34, (C), 58-90 View citations (74)

2017

17. Did Saving Wall Street Really Save Main Street? The Real Effects of TARP on Local Economic Conditions
    Journal of Financial and Quantitative Analysis, 2017, 52, (5), 1827-1867 View citations (57)
    See also Working Paper Did saving Wall Street really save Main Street: the real effects of TARP on local economic conditions, Research Working Paper (2015) View citations (38) (2015)
18. Internationalization and Bank Risk
    Management Science, 2017, 63, (7), 2283-2301 View citations (71)
    See also Working Paper Internationalization and bank risk, Research Working Paper (2015) View citations (33) (2015)

2016

19. Enforcement Actions and Bank Loan Contracting
    Economic Review, 2016, (Q IV), 69-100 View citations (4)

2015

20. Did TARP Banks Get Competitive Advantages?
    Journal of Financial and Quantitative Analysis, 2015, 50, (6), 1199-1236 View citations (80)