Essec\Faculty\Model\Profile {#2205
  #_id: "B00753681"
  #_source: array:39 [
    "bid" => "B00753681"
    "academId" => "1969"
    "slug" => "karapetyan-artashes"
    "fullName" => "Artashes KARAPETYAN"
    "lastName" => "KARAPETYAN"
    "firstName" => "Artashes"
    "title" => array:2 [
      "fr" => "Professeur associé"
      "en" => "Associate Professor"
    ]
    "email" => "karapetyan@essec.edu"
    "status" => "ACTIF"
    "campus" => "Campus de Cergy"
    "departments" => []
    "phone" => "+33 (0) 1 34 43 32 87"
    "sites" => []
    "facNumber" => "1969"
    "externalCvUrl" => "https://www.dropbox.com/s/9usp3ivyk3brly9/CV.pdf?dl=0"
    "googleScholarUrl" => null
    "facOrcId" => "https://orcid.org/0000-0002-1254-0026"
    "career" => array:2 [
      0 => Essec\Faculty\Model\CareerItem {#2209
        #_index: null
        #_id: null
        #_source: array:7 [
          "startDate" => "2018-09-01"
          "endDate" => "2021-08-31"
          "isInternalPosition" => true
          "type" => array:2 [
            "fr" => "Positions académiques principales"
            "en" => "Full-time academic appointments"
          ]
          "label" => array:2 [
            "fr" => "Professeur assistant"
            "en" => "Assistant Professor"
          ]
          "institution" => array:2 [
            "fr" => "ESSEC Business School"
            "en" => "ESSEC Business School"
          ]
          "country" => array:2 [
            "fr" => "France"
            "en" => "France"
          ]
        ]
        +lang: "fr"
        +"parent": Essec\Faculty\Model\Profile {#2205}
      }
      1 => Essec\Faculty\Model\CareerItem {#2206
        #_index: null
        #_id: null
        #_source: array:7 [
          "startDate" => "2021-09-01"
          "endDate" => null
          "isInternalPosition" => true
          "type" => array:2 [
            "fr" => "Positions académiques principales"
            "en" => "Full-time academic appointments"
          ]
          "label" => array:2 [
            "fr" => "Professeur associé"
            "en" => "Associate Professor"
          ]
          "institution" => array:2 [
            "fr" => "ESSEC Business School"
            "en" => "ESSEC Business School"
          ]
          "country" => array:2 [
            "fr" => "France"
            "en" => "France"
          ]
        ]
        +lang: "fr"
        +"parent": Essec\Faculty\Model\Profile {#2205}
      }
    ]
    "diplomes" => array:1 [
      0 => Essec\Faculty\Model\Diplome {#2207
        #_index: null
        #_id: null
        #_source: array:6 [
          "diplome" => "DIPLOMA"
          "type" => array:2 [
            "fr" => "Diplômes"
            "en" => "Diplomas"
          ]
          "year" => "2010"
          "label" => array:2 [
            "en" => "Ph.D. in Finance"
            "fr" => "Ph.D. en Finance"
          ]
          "institution" => array:2 [
            "fr" => "University of Zurich"
            "en" => "University of Zurich"
          ]
          "country" => array:2 [
            "fr" => "Suisse"
            "en" => "Switzerland"
          ]
        ]
        +lang: "fr"
        +"parent": Essec\Faculty\Model\Profile {#2205}
      }
    ]
    "bio" => array:2 [
      "fr" => null
      "en" => null
    ]
    "department" => array:2 [
      "fr" => "Finance"
      "en" => "Finance"
    ]
    "site" => array:2 [
      "fr" => "https://sites.google.com/site/drartasheskarapetyan/"
      "en" => "https://www.linkedin.com/in/artashes-karapetyan-72490934/"
    ]
    "industrrySectors" => array:2 [
      "fr" => null
      "en" => null
    ]
    "researchFields" => array:2 [
      "fr" => "Intermédiation financière - Banque - Immobilier - Analyse quantitative - politique économique"
      "en" => "Financial intermediation - Banking - Real Estate - Quantitative analysis - economic policy"
    ]
    "teachingFields" => array:2 [
      "fr" => "Finance d'entreprise - Immobilier - Autre domaine"
      "en" => "Corporate Finance - Real Estate - Other teaching domain"
    ]
    "distinctions" => []
    "teaching" => []
    "otherActivities" => []
    "theses" => []
    "indexedAt" => "2024-04-28T17:21:24.000Z"
    "contributions" => array:24 [
      0 => Essec\Faculty\Model\Contribution {#2204
        #_index: "academ_contributions"
        #_id: "11381"
        #_source: array:18 [
          "id" => "11381"
          "slug" => "to-ask-or-not-to-ask-bank-capital-requirements-and-loan-collateralization"
          "yearMonth" => "2021-10"
          "year" => "2021"
          "title" => "To Ask or Not to Ask? Bank Capital Requirements and Loan Collateralization"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2021). To Ask or Not to Ask? Bank Capital Requirements and Loan Collateralization. <i>Journal of Financial Economics</i>, 142(1), pp. 239-260."
          "authors" => array:3 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "DEGRYSE Hans"
            ]
            2 => array:1 [
              "name" => "KARMAKAR Sudipto"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:4 [
            0 => "Capital Requirements"
            1 => "Collateral"
            2 => "Relationship Lending"
            3 => "Lending Technology"
          ]
          "updatedAt" => "2021-09-13 12:52:24"
          "publicationUrl" => "https://doi.org/10.1016/j.jfineco.2021.05.017"
          "publicationInfo" => array:3 [
            "pages" => "239-260"
            "volume" => "142"
            "number" => "1"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "We study the impact of higher capital requirements on banks’ decisions to grant collateralized rather than uncollateralized loans. We exploit the 2011 EBA capital exercise, a quasi-natural experiment that required a number of banks to increase their regulatory capital but not others. This experiment makes secured lending more attractive vis-`a-vis unsecured lending for the affected banks as secured loans require less regulatory capital. Using a loan-level dataset covering all corporate loans in Portugal, we identify a novel channel of higher capital requirements: relative to the control group, treated banks require loans to be collateralized more often after the shock, but less so for relationship borrowers. This applies in particular for collateral that saves more on regulatory capital."
            "en" => "We study the impact of higher capital requirements on banks’ decisions to grant collateralized rather than uncollateralized loans. We exploit the 2011 EBA capital exercise, a quasi-natural experiment that required a number of banks to increase their regulatory capital but not others. This experiment makes secured lending more attractive vis-`a-vis unsecured lending for the affected banks as secured loans require less regulatory capital. Using a loan-level dataset covering all corporate loans in Portugal, we identify a novel channel of higher capital requirements: relative to the control group, treated banks require loans to be collateralized more often after the shock, but less so for relationship borrowers. This applies in particular for collateral that saves more on regulatory capital."
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      1 => Essec\Faculty\Model\Contribution {#2211
        #_index: "academ_contributions"
        #_id: "12546"
        #_source: array:18 [
          "id" => "12546"
          "slug" => "information-salience-and-mispricing-in-housing"
          "yearMonth" => "2022-12"
          "year" => "2022"
          "title" => "Information Salience and Mispricing in Housing"
          "description" => "AGARWAL, S. et KARAPETYAN, A. (2022). Information Salience and Mispricing in Housing. <i>Management Science</i>, 68(12), pp. 9082-9106."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "AGARWAL Sumit"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:6 [
            0 => "salience"
            1 => "housing"
            2 => "cooperatives"
            3 => "mortgage"
            4 => "household finance"
            5 => "mispricing"
          ]
          "updatedAt" => "2023-08-25 08:49:00"
          "publicationUrl" => "https://doi.org/10.1287/mnsc.2021.4253"
          "publicationInfo" => array:3 [
            "pages" => "9082-9106"
            "volume" => "68"
            "number" => "12"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "Making the purchase price fully salient to consumers has been shown to affect demand and equilibrium prices in various markets. Using a setting where part of the home acquisition price is in the form of nonsalient debt, we show this can happen in housing—a market where a typical household makes its largest acquisition. A regulation that made the debt and the total price salient for homebuyers eliminated a large mispricing caused by consumers’ inattention to the debt before the regulation. An average homebuyer would lose about $13,300 by acquiring a dwelling with one-standard deviation ($51,000)-higher debt, but this is nearly eliminated after the regulation. To shed light on the underlying channels, we use administrative data and show that young, financially inexperienced, and first-time homebuyers used to overpay the most. The results are not driven by rational channels based on liquidity constraints and adverse selection. Our findings imply that making all-inclusive house price and mortgage features salient at the time of advertising the sale can help avoid unintentional borrowing."
            "en" => "Making the purchase price fully salient to consumers has been shown to affect demand and equilibrium prices in various markets. Using a setting where part of the home acquisition price is in the form of nonsalient debt, we show this can happen in housing—a market where a typical household makes its largest acquisition. A regulation that made the debt and the total price salient for homebuyers eliminated a large mispricing caused by consumers’ inattention to the debt before the regulation. An average homebuyer would lose about $13,300 by acquiring a dwelling with one-standard deviation ($51,000)-higher debt, but this is nearly eliminated after the regulation. To shed light on the underlying channels, we use administrative data and show that young, financially inexperienced, and first-time homebuyers used to overpay the most. The results are not driven by rational channels based on liquidity constraints and adverse selection. Our findings imply that making all-inclusive house price and mortgage features salient at the time of advertising the sale can help avoid unintentional borrowing."
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      2 => Essec\Faculty\Model\Contribution {#2213
        #_index: "academ_contributions"
        #_id: "10547"
        #_source: array:18 [
          "id" => "10547"
          "slug" => "hidden-costs-of-hidden-debt"
          "yearMonth" => "2014-10"
          "year" => "2014"
          "title" => "Hidden Costs of Hidden Debt"
          "description" => "KARAPETYAN, A. et ALMENBERG, J. (2014). Hidden Costs of Hidden Debt. <i>Review of Finance (ex European Finance Review)</i>, 18(6), pp. 2247-2281."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "ALMENBERG Johan"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:4 [
            0 => "housing market"
            1 => "household finance"
            2 => "co-ops"
            3 => "salience"
          ]
          "updatedAt" => "2021-07-13 14:31:38"
          "publicationUrl" => "http://dx.doi.org/10.2139/ssrn.1836868"
          "publicationInfo" => array:3 [
            "pages" => "2247-2281"
            "volume" => "18"
            "number" => "6"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "We report evidence that salience may have economically significant effects on homeowners' borrowing behavior, through a bias in favour of less salient but more costly loans. Survey evidence corroborates the existence of such a bias. We outline a simple model in which some consumers are biased and show that under plausible assumptions this affects prices in equilibrium. Market data support the predictions of the model."
            "en" => "We report evidence that salience may have economically significant effects on homeowners' borrowing behavior, through a bias in favour of less salient but more costly loans. Survey evidence corroborates the existence of such a bias. We outline a simple model in which some consumers are biased and show that under plausible assumptions this affects prices in equilibrium. Market data support the predictions of the model."
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      3 => Essec\Faculty\Model\Contribution {#2208
        #_index: "academ_contributions"
        #_id: "10552"
        #_source: array:18 [
          "id" => "10552"
          "slug" => "information-sharing-and-information-acquisition-in-credit-markets"
          "yearMonth" => "2014-07"
          "year" => "2014"
          "title" => "Information Sharing and Information Acquisition in Credit Markets"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2014). Information Sharing and Information Acquisition in Credit Markets. <i>Review of Finance (ex European Finance Review)</i>, 18(4), pp. 1583-1615."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "STACESCU Bogdan"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:5 [
            0 => "Bank competition"
            1 => "information sharing"
            2 => "relationship bank"
            3 => "hard"
            4 => "soft"
          ]
          "updatedAt" => "2021-07-13 14:31:38"
          "publicationUrl" => "http://dx.doi.org/10.2139/ssrn.1735392"
          "publicationInfo" => array:3 [
            "pages" => "1583-1615"
            "volume" => "18"
            "number" => "4"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "Since information asymmetries have been identified as an important source of bank profits, it may seem that the establishment of information sharing (e.g., introducing credit bureaus or public registers) will lead to lower investment in acquiring information. However, banks base their decisions on both hard and soft information, and it is only the former type of data that can be communicated credibly. We show that when hard information is shared, banks will invest more in soft information. These will produce more accurate lending decisions, provide higher welfare, lead to an increased focus on relationship banking and favor informationally opaque borrowers. We test our theory using a large sample of firm-level data from 24 countries"
            "en" => "Since information asymmetries have been identified as an important source of bank profits, it may seem that the establishment of information sharing (e.g., introducing credit bureaus or public registers) will lead to lower investment in acquiring information. However, banks base their decisions on both hard and soft information, and it is only the former type of data that can be communicated credibly. We show that when hard information is shared, banks will invest more in soft information. These will produce more accurate lending decisions, provide higher welfare, lead to an increased focus on relationship banking and favor informationally opaque borrowers. We test our theory using a large sample of firm-level data from 24 countries"
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      4 => Essec\Faculty\Model\Contribution {#2214
        #_index: "academ_contributions"
        #_id: "10609"
        #_source: array:18 [
          "id" => "10609"
          "slug" => "does-information-sharing-reduce-the-role-of-collateral-as-a-screening-device"
          "yearMonth" => "2015-06"
          "year" => "2015"
          "title" => "Does information sharing reduce the role of collateral as a screening device?"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2015). Does information sharing reduce the role of collateral as a screening device? <i>Journal of Banking & Finance</i>, 43(1), pp. 48-57."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "STACESCU Bogdan"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:3 [
            0 => "Bank competition"
            1 => "Information sharing"
            2 => "Collateral"
          ]
          "updatedAt" => "2021-07-13 14:31:39"
          "publicationUrl" => "https://www.sciencedirect.com/science/article/abs/pii/S0378426614000727"
          "publicationInfo" => array:3 [
            "pages" => "48-57"
            "volume" => "43"
            "number" => "1"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "Information sharing and collateral are both devices that help banks reduce the cost of adverse selection. We examine whether they are likely to be used as substitutes (information sharing reduces the need for collateral) or complements. We show that information sharing via a credit bureaus and registers may increase, rather than decrease, the role of collateral: it can be required in loans to high-risk borrowers in cases when it is not in the absence of information sharing. Higher adverse selection makes the use of collateral more likely both with and without information sharing. Our results are in line with recent empirical evidence."
            "en" => "Information sharing and collateral are both devices that help banks reduce the cost of adverse selection. We examine whether they are likely to be used as substitutes (information sharing reduces the need for collateral) or complements. We show that information sharing via a credit bureaus and registers may increase, rather than decrease, the role of collateral: it can be required in loans to high-risk borrowers in cases when it is not in the absence of information sharing. Higher adverse selection makes the use of collateral more likely both with and without information sharing. Our results are in line with recent empirical evidence."
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      5 => Essec\Faculty\Model\Contribution {#2210
        #_index: "academ_contributions"
        #_id: "10778"
        #_source: array:18 [
          "id" => "10778"
          "slug" => "size-and-ownership-of-private-credit-bureaus"
          "yearMonth" => "2019-12"
          "year" => "2019"
          "title" => "Size and Ownership of Private Credit Bureaus"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2019). Size and Ownership of Private Credit Bureaus. Dans: 3rd Sydney Banking and Financial Stability Conference (SBFC) 2019."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "STACESCU Bogdan"
            ]
          ]
          "ouvrage" => "3rd Sydney Banking and Financial Stability Conference (SBFC) 2019"
          "keywords" => []
          "updatedAt" => "2021-09-24 10:33:27"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => null
            "volume" => null
            "number" => null
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => null
            "en" => null
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      6 => Essec\Faculty\Model\Contribution {#2212
        #_index: "academ_contributions"
        #_id: "10936"
        #_source: array:18 [
          "id" => "10936"
          "slug" => "to-ask-or-not-to-ask-bank-capital-requirements-and-loan-collateralization"
          "yearMonth" => "2020-06"
          "year" => "2020"
          "title" => "To Ask or Not To Ask: Bank Capital Requirements and Loan Collateralization"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2020). To Ask or Not To Ask: Bank Capital Requirements and Loan Collateralization. Dans: XIV Luso-Brazilian Finance Network meeting 2020."
          "authors" => array:3 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "DEGRYSE Hans"
            ]
            2 => array:1 [
              "name" => "KARMAKAR Sudipto"
            ]
          ]
          "ouvrage" => "XIV Luso-Brazilian Finance Network meeting 2020"
          "keywords" => []
          "updatedAt" => "2021-09-24 10:33:27"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => null
            "volume" => null
            "number" => null
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => null
            "en" => null
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      7 => Essec\Faculty\Model\Contribution {#2215
        #_index: "academ_contributions"
        #_id: "5482"
        #_source: array:18 [
          "id" => "5482"
          "slug" => "bank-capital-requirements-and-loan-collateralization"
          "yearMonth" => "2019-10"
          "year" => "2019"
          "title" => "Bank Capital Requirements and Loan Collateralization"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2019). Bank Capital Requirements and Loan Collateralization. Dans: 2019 Relationship Banking in the 21st Century Research and Policy Conference."
          "authors" => array:3 [
            0 => array:3 [
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        ]
        +lang: "fr"
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      8 => Essec\Faculty\Model\Contribution {#2216
        #_index: "academ_contributions"
        #_id: "7488"
        #_source: array:18 [
          "id" => "7488"
          "slug" => "to-ask-or-not-to-ask"
          "yearMonth" => "2019-04"
          "year" => "2019"
          "title" => "To Ask or not to Ask"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2019). To Ask or not to Ask. Dans: 55th Annual Meeting of the Eastern Finance Association 2019."
          "authors" => array:3 [
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        ]
        +lang: "fr"
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      9 => Essec\Faculty\Model\Contribution {#2217
        #_index: "academ_contributions"
        #_id: "7489"
        #_source: array:18 [
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          "slug" => "to-ask-or-not-to-ask-bank-capital-requirements-and-collateral"
          "yearMonth" => "2019-09"
          "year" => "2019"
          "title" => "To Ask or Not To Ask: Bank Capital Requirements and Collateral"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2019). To Ask or Not To Ask: Bank Capital Requirements and Collateral. Dans: 2019 International Conference on Credit Analysis and Risk Management."
          "authors" => array:3 [
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              "bid" => "B00753681"
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        ]
        +lang: "fr"
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      10 => Essec\Faculty\Model\Contribution {#2218
        #_index: "academ_contributions"
        #_id: "7490"
        #_source: array:18 [
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          "slug" => "to-ask-or-not-to-ask-bank-capital-requirements-and-loan-collateralizati"
          "yearMonth" => "2019-06"
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          "title" => "To Ask or Not To Ask: Bank Capital Requirements and Loan Collateralizati"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2019). To Ask or Not To Ask: Bank Capital Requirements and Loan Collateralizati. Dans: IX Workshop on Institution, Individual Behavior and Economic Outcomes 2019."
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        ]
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      11 => Essec\Faculty\Model\Contribution {#2219
        #_index: "academ_contributions"
        #_id: "7491"
        #_source: array:18 [
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          "slug" => "to-ask-or-not-to-ask-collateral-and-screening-in-credit-contract"
          "yearMonth" => "2019-01"
          "year" => "2019"
          "title" => "To Ask or Not to Ask: Collateral and Screening in Credit Contract"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2019). To Ask or Not to Ask: Collateral and Screening in Credit Contract. Dans: 2019 Annual Meeting of the Allied Social Science Associations (ASSA) - International Banking, Economics, and Finance Association (IBEFA)."
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        ]
        +lang: "fr"
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      12 => Essec\Faculty\Model\Contribution {#2220
        #_index: "academ_contributions"
        #_id: "7492"
        #_source: array:18 [
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          "slug" => "to-ask-or-not-to-ask-bank-capital-requirements-and-loan-collateralization"
          "yearMonth" => "2018-12"
          "year" => "2018"
          "title" => "To Ask or Not to Ask? Bank Capital Requirements and Loan Collateralization"
          "description" => "DEGRYSE, H., KARAPETYAN, A. et KARMAKAR, S. (2018). To Ask or Not to Ask? Bank Capital Requirements and Loan Collateralization. Dans: 2018 Banking, Credit and Macroprudential policy: What Can We Learn from Micro Data?"
          "authors" => array:3 [
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              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
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            1 => array:1 [
              "name" => "DEGRYSE H."
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          "ouvrage" => "2018 Banking, Credit and Macroprudential policy: What Can We Learn from Micro Data?"
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          "publicationUrl" => null
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            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
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      13 => Essec\Faculty\Model\Contribution {#2221
        #_index: "academ_contributions"
        #_id: "7493"
        #_source: array:18 [
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          "slug" => "to-ask-or-not-to-ask-collateral-versus-screening-in-lending-relationships"
          "yearMonth" => "2018-10"
          "year" => "2018"
          "title" => "To Ask or Not to Ask? Collateral versus Screening in Lending Relationships"
          "description" => "KARAPETYAN, A. (2018). To Ask or Not to Ask? Collateral versus Screening in Lending Relationships. Dans: 2018 Workshop on Connecting the Real Economy and the Financial System: Theory and Empirics."
          "authors" => array:1 [
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              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
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          "ouvrage" => "2018 Workshop on Connecting the Real Economy and the Financial System: Theory and Empirics"
          "keywords" => []
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          "publicationUrl" => null
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          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
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      14 => Essec\Faculty\Model\Contribution {#2222
        #_index: "academ_contributions"
        #_id: "13988"
        #_source: array:18 [
          "id" => "13988"
          "slug" => "inefficient-regulation-mortgages-vs-total-credit"
          "yearMonth" => "2023-03"
          "year" => "2023"
          "title" => "Inefficient Regulation: Mortgages vs Total credit"
          "description" => "KARAPETYAN, A., KVAERNER, J. et ROHRER, M. (2023). Inefficient Regulation: Mortgages vs Total credit. Dans: 2023 French Inter-Business School. Toulouse."
          "authors" => array:3 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "KVAERNER Jens"
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            2 => array:1 [
              "name" => "ROHRER Max"
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          "ouvrage" => "2023 French Inter-Business School"
          "keywords" => []
          "updatedAt" => "2024-01-19 10:22:33"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
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          "type" => array:2 [
            "fr" => "Communications dans une conférence"
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          "support_type" => array:2 [
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          "countries" => array:2 [
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          "abstract" => array:2 [
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          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
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        +"parent": null
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      15 => Essec\Faculty\Model\Contribution {#2223
        #_index: "academ_contributions"
        #_id: "13989"
        #_source: array:18 [
          "id" => "13989"
          "slug" => "international-financial-frictions-and-firm-level-activity"
          "yearMonth" => "2022-11"
          "year" => "2022"
          "title" => "International Financial Frictions and Firm Level Activity"
          "description" => "IPPOLITTO, F., KARAPETYAN, A., PEYDRO, J. et SYRSTAD, O. (2022). International Financial Frictions and Firm Level Activity. Dans: 2022 Southern Finance Association Annual Meeting. Key West."
          "authors" => array:4 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
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            1 => array:1 [
              "name" => "IPPOLITTO Filippo"
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            2 => array:1 [
              "name" => "PEYDRO Jose"
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            3 => array:1 [
              "name" => "SYRSTAD Olav"
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          "ouvrage" => "2022 Southern Finance Association Annual Meeting"
          "keywords" => []
          "updatedAt" => "2023-05-23 16:20:52"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
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          "type" => array:2 [
            "fr" => "Communications dans une conférence"
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          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
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        +"_score": 6.085271
        +"parent": null
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      16 => Essec\Faculty\Model\Contribution {#2224
        #_index: "academ_contributions"
        #_id: "13990"
        #_source: array:18 [
          "id" => "13990"
          "slug" => "lending-technologies-and-lending-relationships"
          "yearMonth" => "2022-09"
          "year" => "2022"
          "title" => "Lending technologies and Lending Relationships"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2022). Lending technologies and Lending Relationships. Dans: 2022 International Finance and Banking Society (IFABS 2022). Naples."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
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            1 => array:1 [
              "name" => "STACESCU Bogdan"
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          "ouvrage" => "2022 International Finance and Banking Society (IFABS 2022)"
          "keywords" => []
          "updatedAt" => "2023-05-24 01:00:41"
          "publicationUrl" => null
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            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
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        +"_score": 6.085271
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      17 => Essec\Faculty\Model\Contribution {#2225
        #_index: "academ_contributions"
        #_id: "13991"
        #_source: array:18 [
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          "slug" => "inefficient-regulation-mortgages-vs-total-credit"
          "yearMonth" => "2022-06"
          "year" => "2022"
          "title" => "Inefficient Regulation: Mortgages vs Total credit"
          "description" => "KARAPETYAN, A., KVAERNER, J. et ROHRER, M. (2022). Inefficient Regulation: Mortgages vs Total credit. Dans: 15th Luso-Brazilian Finance Meeting Conference 2022. Bahia."
          "authors" => array:3 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
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            1 => array:1 [
              "name" => "KVAERNER Jens"
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            2 => array:1 [
              "name" => "ROHRER Max"
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          "ouvrage" => "15th Luso-Brazilian Finance Meeting Conference 2022"
          "keywords" => []
          "updatedAt" => "2024-01-19 10:23:33"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
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          "type" => array:2 [
            "fr" => "Communications dans une conférence"
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          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
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        +lang: "fr"
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        +"_score": 6.085271
        +"parent": null
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      18 => Essec\Faculty\Model\Contribution {#2226
        #_index: "academ_contributions"
        #_id: "14346"
        #_source: array:18 [
          "id" => "14346"
          "slug" => "bank-capital-structure-and-lending-technologies"
          "yearMonth" => "2023-11"
          "year" => "2023"
          "title" => "Bank Capital Structure and Lending Technologies"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2023). Bank Capital Structure and Lending Technologies. Dans: 2023 First Elsevier Finance Conference. Rio."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
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            1 => array:1 [
              "name" => "STACESCU Bogdan"
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          "ouvrage" => "2023 First Elsevier Finance Conference"
          "keywords" => []
          "updatedAt" => "2024-03-20 16:06:54"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
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          "type" => array:2 [
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          "support_type" => array:2 [
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          "abstract" => array:2 [
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          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
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          "indexedAt" => "2024-04-28T17:21:48.000Z"
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        +lang: "fr"
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        +"_score": 6.085271
        +"parent": null
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      19 => Essec\Faculty\Model\Contribution {#2227
        #_index: "academ_contributions"
        #_id: "14363"
        #_source: array:18 [
          "id" => "14363"
          "slug" => "bank-capital-structure-and-lending-technologies"
          "yearMonth" => "2023-10"
          "year" => "2023"
          "title" => "Bank Capital Structure and Lending Technologies"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2023). Bank Capital Structure and Lending Technologies. Dans: 2023 Financial Management Association Annual Congress. Chicago."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "STACESCU Bogdan"
            ]
          ]
          "ouvrage" => "2023 Financial Management Association Annual Congress"
          "keywords" => []
          "updatedAt" => "2023-09-27 01:00:43"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
            "volume" => ""
            "number" => ""
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => ""
            "en" => ""
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      20 => Essec\Faculty\Model\Contribution {#2228
        #_index: "academ_contributions"
        #_id: "14385"
        #_source: array:18 [
          "id" => "14385"
          "slug" => "the-impact-of-positive-information-sharing-on-household-lending"
          "yearMonth" => "2023-09"
          "year" => "2023"
          "title" => "The Impact of Positive Information Sharing on Household Lending"
          "description" => "KARAPETYAN, A., BRIGLEVICS, T., ONGENA, S. et SCHINDELE, I. (2023). The Impact of Positive Information Sharing on Household Lending. Dans: 2023 European Economic Association. Barcelona."
          "authors" => array:4 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "BRIGLEVICS Tamas"
            ]
            2 => array:1 [
              "name" => "ONGENA Steven"
            ]
            3 => array:1 [
              "name" => "SCHINDELE Ibolya"
            ]
          ]
          "ouvrage" => "2023 European Economic Association"
          "keywords" => []
          "updatedAt" => "2023-09-27 01:00:43"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
            "volume" => ""
            "number" => ""
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => ""
            "en" => ""
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      21 => Essec\Faculty\Model\Contribution {#2229
        #_index: "academ_contributions"
        #_id: "14389"
        #_source: array:18 [
          "id" => "14389"
          "slug" => "the-credit-reallocation-channel-of-covered-interest-parity-deviations"
          "yearMonth" => "2023-07"
          "year" => "2023"
          "title" => "The Credit Reallocation Channel of Covered Interest Parity Deviations"
          "description" => "KARAPETYAN, A., IPPOLITO, F., JUELSRUD, R., PEYDRO, J. et SYRSTADEYTAN, O. (2023). The Credit Reallocation Channel of Covered Interest Parity Deviations. Dans: 2023 Spanish Finance Forum. Malaga."
          "authors" => array:5 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "IPPOLITO Filippo"
            ]
            2 => array:1 [
              "name" => "JUELSRUD Ragnar"
            ]
            3 => array:1 [
              "name" => "PEYDRO Jse"
            ]
            4 => array:1 [
              "name" => "SYRSTADEYTAN O"
            ]
          ]
          "ouvrage" => "2023 Spanish Finance Forum"
          "keywords" => []
          "updatedAt" => "2023-09-27 01:00:43"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
            "volume" => ""
            "number" => ""
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => ""
            "en" => ""
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      22 => Essec\Faculty\Model\Contribution {#2230
        #_index: "academ_contributions"
        #_id: "14639"
        #_source: array:18 [
          "id" => "14639"
          "slug" => "inefficient-regulation-mortgages-versus-total-credit"
          "yearMonth" => "2024-01"
          "year" => "2024"
          "title" => "Inefficient Regulation: Mortgages versus Total Credit"
          "description" => "KARAPETYAN, A., KVAERNER, J.S. et ROHRER, M. (2024). Inefficient Regulation: Mortgages versus Total Credit. <i>Review of Finance (ex European Finance Review)</i>, 28(1), pp. 311-351."
          "authors" => array:3 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "Kvaerner Jens Soerlie"
            ]
            2 => array:1 [
              "name" => "Rohrer Maximilian"
            ]
          ]
          "ouvrage" => ""
          "keywords" => array:2 [
            0 => "Loan-to-value"
            1 => "Macro-prudentialregulation – Mortgages – Regulatory arbitrage"
          ]
          "updatedAt" => "2024-01-19 10:30:43"
          "publicationUrl" => "https://doi.org/10.1093/rof/rfad023"
          "publicationInfo" => array:3 [
            "pages" => "311-351"
            "volume" => "28"
            "number" => "1"
          ]
          "type" => array:2 [
            "fr" => "Articles"
            "en" => "Journal articles"
          ]
          "support_type" => array:2 [
            "fr" => "Revue scientifique"
            "en" => "Scientific journal"
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => "We estimate the willingness-to-pay to bypass a loan-to-value (LTV) cap. Our identification relies on exogenous variation in debt exempt from the LTV regulation that can only be used as a substitute for a personal mortgage. Our baseline estimate reveals that homebuyers pay 7.3 Swedish Kroner (SEK) to avoid 1 SEK of equity down payment. The supply of debt not part of the LTV calculation increased by approximately 50% within 2 years after the LTV regulation. Financially weaker households drive the results."
            "en" => "We estimate the willingness-to-pay to bypass a loan-to-value (LTV) cap. Our identification relies on exogenous variation in debt exempt from the LTV regulation that can only be used as a substitute for a personal mortgage. Our baseline estimate reveals that homebuyers pay 7.3 Swedish Kroner (SEK) to avoid 1 SEK of equity down payment. The supply of debt not part of the LTV calculation increased by approximately 50% within 2 years after the LTV regulation. Financially weaker households drive the results."
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
      23 => Essec\Faculty\Model\Contribution {#2231
        #_index: "academ_contributions"
        #_id: "14680"
        #_source: array:18 [
          "id" => "14680"
          "slug" => "bank-capital-structure-and-lending-technologies"
          "yearMonth" => "2023-10"
          "year" => "2023"
          "title" => "Bank Capital Structure and Lending Technologies"
          "description" => "KARAPETYAN, A. et STACESCU, B. (2023). Bank Capital Structure and Lending Technologies. Dans: 2023 ASSET-Annual Conference of the Association of South-European Economic Theorist. Lisbon."
          "authors" => array:2 [
            0 => array:3 [
              "name" => "KARAPETYAN Artashes"
              "bid" => "B00753681"
              "slug" => "karapetyan-artashes"
            ]
            1 => array:1 [
              "name" => "STACESCU Bogdan "
            ]
          ]
          "ouvrage" => "2023 ASSET-Annual Conference of the Association of South-European Economic Theorist"
          "keywords" => []
          "updatedAt" => "2024-01-31 01:00:38"
          "publicationUrl" => null
          "publicationInfo" => array:3 [
            "pages" => ""
            "volume" => ""
            "number" => ""
          ]
          "type" => array:2 [
            "fr" => "Communications dans une conférence"
            "en" => "Presentations at an Academic or Professional conference"
          ]
          "support_type" => array:2 [
            "fr" => null
            "en" => null
          ]
          "countries" => array:2 [
            "fr" => null
            "en" => null
          ]
          "abstract" => array:2 [
            "fr" => ""
            "en" => ""
          ]
          "authors_fields" => array:2 [
            "fr" => "Finance"
            "en" => "Finance"
          ]
          "indexedAt" => "2024-04-28T17:21:48.000Z"
        ]
        +lang: "fr"
        +"_type": "_doc"
        +"_score": 6.085271
        +"parent": null
      }
    ]
    "avatar" => "https://faculty.essec.edu/wp-content/uploads/avatars/B00753681.jpg"
    "contributionCounts" => 24
    "personalLinks" => array:1 [
      0 => "<a href="https://orcid.org/0000-0002-1254-0026" target="_blank">ORCID</a>"
    ]
    "docTitle" => "Artashes KARAPETYAN"
    "docSubtitle" => "Professeur associé"
    "docDescription" => "Département: Finance<br>Campus de Cergy"
    "docType" => "cv"
    "docPreview" => "<img src="https://faculty.essec.edu/wp-content/uploads/avatars/B00753681.jpg"><span><span>Artashes KARAPETYAN</span><span>B00753681</span></span>"
  ]
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  +lang: "fr"
  +"_type": "_doc"
  +"_score": 4.922411
  +"parent": null
}