Financial institutions
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Standard financial theory left us woefully unprepared for the financial crisis of 2007-09. Something is missing in the theory. In the majority of loans the borrower must agree on an interest rate and also on how much collateral he will put up to guarantee repayment. The standard theory presented in all the textbooks ignores collateral. The next two lectures introduce a theory of the Leverage Cycle, in which default and collateral are endog...more
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Davis believes that microfinance institutions can be profitable. This is a business opportunity with incredible social impact, he says.
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Early Modern England: Politics, Religion, and Society under the Tudors and Stuarts (HIST 251)Professor Wrightson begins by discussing how modern perceptions of the 'traditional' community have informed the manner in which the early modern social landscape is discussed. From here he moves on to address the lived reality of community and social bonds in the period. The roles that the intertwined ideas of lordship and tenancy, custom, neighbo...more
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Behavioral Finance is a relatively recent revolution in finance that applies insights from all of the social sciences to finance. New decision-making models incorporate psychology and sociology, among other disciplines, to explain economic and financial phenomenon, such as erratic stock price variations. Psychological patterns such as overconfidence and perceived kinks in the value function seem to impact financial decision-making, but are...more
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Regulation of financial and securities markets is intended to protect investors while still enabling them to make personal investment decisions. Psychological phenomena, such as magical thinking, overconfidence, and representativeness heuristic can cause deviations from rational behavior and distort financial decision-making. However, regulation and regulatory bodies, such as the SEC, FDIC, and SIPC, most of which were created just after t...more
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Jeff Housenbold, CEO of Shutterfly, recalls how he learned that merging community with commerce was the winning ticket in business online. He recounts his days at Raging Bull, an upstart financial vehicle that knocked the larger, more established players out of the ring. It's secret? The site was bullish on building community and responsive to its users, resulting in millions of users in just a few short months. Furthermore, Housenbold cre...more
