Youssef Benzarti
Biographic Data
| ID | 5868517 |
|---|---|
| NAME | Youssef Benzarti |
| GIVEN NAMES | Youssef |
| FAMILY NAME | Benzarti |
| SIGNATURE | BENZARTI Y |
| AFFILIATIONS | National Bureau of Economic Research |
| VERIFIED | No |
| TOTAL WORKS | 2 |
| TOTAL CITATIONS | 8 |
| AUTHOR COUNT | 2 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2020 |
| LATEST PUBLICATION YEAR | 2024 |
| H-INDEX | 1 |
Playing Hide and Seek
This paper uses the universe of mortgage contracts to estimate the response of high-interest lenders to borrower protection regulations aimed at simplifying and making loan terms more transparent. Using a quasi-experimental design, I find that lenders substantially reduce interest rates—by an average of 10%—in order to avoid being subject to borrower protection, without reducing amounts loaned or the number of loans approved. This finding is cons…
What Goes Up May Not Come Down
This paper shows that prices respond more to increases than to decreases in Value-Added Taxes (VATs). First, using all VAT reforms from 1996 to 2015 across all European countries we show that prices respond 3 to 4 times more to VAT increases than decreases. Second, using a plausibly exogenous VAT reform, we show that the asymmetry persists over several years. Third, we document several empirical features of this asymmetry that are inconsistent wi…
What Goes Up May Not Come Down
This paper shows that prices respond more to increases than to decreases in Value-Added Taxes (VATs). First, using all VAT reforms from 1996 to 2015 across all European countries we show that prices respond 3 to 4 times more to VAT increases than decreases. Second, using a plausibly exogenous VAT reform, we show that the asymmetry persists over several years. Third, we document several empirical features of this asymmetry that are inconsistent wi…
What Goes Up May Not Come Down
This paper shows that prices respond more to increases than to decreases in Value-Added Taxes (VATs). First, using all VAT reforms from 1996 to 2015 across all European countries we show that prices respond 3 to 4 times more to VAT increases than decreases. Second, using a plausibly exogenous VAT reform, we show that the asymmetry persists over several years. Third, we document several empirical features of this asymmetry that are inconsistent wi…
Playing Hide and Seek
This paper uses the universe of mortgage contracts to estimate the response of high-interest lenders to borrower protection regulations aimed at simplifying and making loan terms more transparent. Using a quasi-experimental design, I find that lenders substantially reduce interest rates—by an average of 10%—in order to avoid being subject to borrower protection, without reducing amounts loaned or the number of loans approved. This finding is cons…
Economics (2 works) · Monetary economics (2 works) · Actuarial science (1 works) · Asymmetry (1 works) · Banking stability, regulation, efficiency (1 works) · Business (1 works) · Corporate Taxation and Avoidance (1 works) · European union (1 works) · Finance (1 works) · Finance (1 works)