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Optimal Monetary Policy with Countercyclical Credit Spreads
Journal article   Open access   Peer reviewed

Optimal Monetary Policy with Countercyclical Credit Spreads

Marco Airaudo and Maria Pia Olivero
Journal of money, credit and banking, v 51(4), pp 787-829
01 Jun 2019
url
https://doi.org/10.1111/jmcb.12598View

Abstract

Business & Economics Business, Finance Economics Social Sciences
We study optimal monetary policy in a New-Keynesian Dynamic Stochastic General Equilibrium (DSGE) model with a credit channel and relationship lending in banking. We show that borrowers' bank-specific (deep) habits give rise to countercyclical credit spreads, which, in turn, make optimal monetary policy depart substantially from price stability, under both discretion and commitment. Our analysis shows that the welfare costs of setting monetary policy under discretion (with respect to the optimal Ramsey plan) and of using simpler suboptimal policy rules are strictly increasing in the magnitude of deep habits in credit markets and market power in banking.

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Web of Science research areas
Business, Finance
Economics
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