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Consumer Expertise or Credit Risk? An empirical analysis of mortgage pricing
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
Loan mortgage interest rates are usually the result of a bank-customer negotiation process. Credit risk, consumer cross-buying potential, bundling, financial market competition and other features affecting the bargaining ...
Resale in Auctions with Financial Constraints
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
This paper analyzes auctions where bidders face nancial constraints that may force
them to resell part of the property of the good (or subcontract part of a project) at
a resale market. First we show that the ine¢ cient ...
Moral cleansing and moral licenses: experimental evidence
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
Research on moral cleansing and moral self-licensing has introduced dynamic considerations in the theory of moral behavior. Past bad actions trigger negative feelings that make people more likely to engage in future moral ...
Prosocial norms and degree heterogeneity in social networks
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
We provide empirical evidence to support the claims that social diversity promotes prosocial behavior. We elicit a real-life social network and its members’ adherence to a social norm, namely inequity aversion.
The data ...
Are Bar Associations Anticompetitive? An Empirical Analysis of Recommended Prices for Legal Services in Spain
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
The European Commission Report on Competition in Professional Services found that recommended prices by professional bodies have a significant negative effect on competition since they may facilitate the coordination of ...