@article{MTMT:33393137,
	title = {Heat projections and mortgage characteristics. evidence from the USA},
	url = {https://m2.mtmt.hu/api/publication/33393137},
	author = {Baranyai, Eszter and Banai, Ádám},
	doi = {10.1007/s10584-022-03465-1},
	journal-iso = {CLIMATIC CHANGE},
	journal = {CLIMATIC CHANGE},
	volume = {175},
	unique-id = {33393137},
	issn = {0165-0009},
	abstract = {Climate change is increasingly acknowledged as a fundamental risk to the stability of the financial system. The linkage between residential mortgage lending and local heatwave projections has hitherto received little attention in the climate finance discourse despite recognition of the detrimental effects of extreme heat on economic output measures. Through economic, demographic and other channels, future climate conditions can affect the housing market and, thus, the residential mortgage market. Moreover, the potential for contagion is high considering US residential mortgages’ key role in financial cycles and cross-border effects. First, our paper furthers conceptual and empirical understandings of the nexus between future extreme heat and lenders’ credit risk. Second, for the contiguous US states, we show that interest rates are higher and loan terms are shorter in areas forecast to experience a larger increase in the number of hot days over the coming decades after controlling for a range of factors. Rate spreads are higher still in areas where the number of hot days is projected to be extreme. It is lending from non-banks, rather than banks, that appears sensitive to the changing climate.},
	year = {2022},
	eissn = {1573-1480},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@inbook{MTMT:32899676,
	title = {Developments in China-CEEC Financial Cooperation in Light of the Magyar Nemzeti Bank’s Renminbi Program},
	url = {https://m2.mtmt.hu/api/publication/32899676},
	author = {Banai, Ádám and Horváth, Marcell},
	booktitle = {Results and challenges},
	unique-id = {32899676},
	year = {2022},
	pages = {204-223},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@article{MTMT:32780015,
	title = {Feeling the Heat: Mortgage Lending and Central Bank Options},
	url = {https://m2.mtmt.hu/api/publication/32780015},
	author = {Baranyai, Eszter and Banai, Ádám},
	doi = {10.33893/FER.21.1.5},
	journal-iso = {FINANC ECON REV},
	journal = {FINANCIAL AND ECONOMIC REVIEW},
	volume = {21},
	unique-id = {32780015},
	issn = {2415-9271},
	year = {2022},
	eissn = {2415-928X},
	pages = {5-31},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@article{MTMT:32774125,
	title = {Forrósodó jelzáloghitelezés és jegybanki lehetőségek},
	url = {https://m2.mtmt.hu/api/publication/32774125},
	author = {Baranyai, Eszter and Banai, Ádám},
	doi = {10.25201/HSZ.21.1.5},
	journal-iso = {HITELINT SZLE},
	journal = {HITELINTÉZETI SZEMLE},
	volume = {21},
	unique-id = {32774125},
	issn = {1588-6883},
	year = {2022},
	eissn = {2416-3201},
	pages = {5-31},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@article{MTMT:32753566,
	title = {Adjustable-rate mortgages in the era of global reflation. How to model additional default risk?},
	url = {https://m2.mtmt.hu/api/publication/32753566},
	author = {Banai, Ádám and Berlinger, Edina and Dömötör, Barbara Mária},
	doi = {10.1371/journal.pone.0263599},
	journal-iso = {PLOS ONE},
	journal = {PLOS ONE},
	volume = {17},
	unique-id = {32753566},
	issn = {1932-6203},
	year = {2022},
	eissn = {1932-6203},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@techreport{MTMT:32653011,
	title = {Credit Constrained Firms and Government Subsidies: Evidence from a European Union Program},
	url = {https://m2.mtmt.hu/api/publication/32653011},
	author = {Tirupam, Goel and Lang, Péter and Balogh, Eszter and Banai, Ádám and Stancsics, Martin and Takáts, Előd and Telegdy, Álmos},
	unique-id = {32653011},
	abstract = {We assess the effects of non-repayable subsidies on financially constrained and unconstrained Hungarian SMEs. Using bank queries to the credit registry to identify firms that applied for but did not receive a loan, we show that subsidies generate a sizeable incremental impact on asset growth of constrained firms relative to unconstrained businesses. This effect, however, is transitory and does not translate into higher sales, profitability, or productivity. Financing, therefore, may not be the primary hurdle for these SMEs, and credit constraints may reflect other shortcomings, such as lack of good management or viable projects.},
	year = {2021},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535; Telegdy, Álmos/0000-0003-4651-5280}
}

@article{MTMT:32616138,
	title = {A 2008-2020 közötti magyarországi bankfiók bezárási trend következményeinek országos és lokális szintű elemzése},
	url = {https://m2.mtmt.hu/api/publication/32616138},
	author = {El-Meouch, Nedim Márton and Alpek, Balázs Levente and Banai, Ádám},
	journal-iso = {TERÜLETFEJLESZTÉS ÉS INNOVÁCIÓ},
	journal = {TERÜLETFEJLESZTÉS ÉS INNOVÁCIÓ},
	volume = {14},
	unique-id = {32616138},
	issn = {1789-0578},
	year = {2021},
	pages = {3-16},
	orcid-numbers = {El-Meouch, Nedim Márton/0000-0002-2861-1036; Alpek, Balázs Levente/0000-0001-9637-3693; Banai, Ádám/0000-0002-3973-1535}
}

@article{MTMT:32612723,
	title = {A magyar bankok 2008 és 2020 közötti bezárásainak pénzügyföldrajzi következményei},
	url = {https://m2.mtmt.hu/api/publication/32612723},
	author = {El-Meouch, Nedim Márton and Alpek, Balázs Levente and Banai, Ádám},
	journal-iso = {TELEPÜLÉSFÖLDRAJZI TANULMÁNYOK},
	journal = {TELEPÜLÉSFÖLDRAJZI TANULMÁNYOK},
	volume = {10},
	unique-id = {32612723},
	issn = {2063-4315},
	year = {2021},
	pages = {27-53},
	orcid-numbers = {Alpek, Balázs Levente/0000-0001-9637-3693; Banai, Ádám/0000-0002-3973-1535}
}

@inbook{MTMT:32490488,
	title = {Rising House Prices in Hungary: Causes and consequences},
	url = {https://m2.mtmt.hu/api/publication/32490488},
	author = {Banai, Ádám},
	booktitle = {Preventing Financial Risks: Chinese and European Perspective},
	unique-id = {32490488},
	year = {2021},
	pages = {79},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535}
}

@article{MTMT:32299542,
	title = {The Role of Gold in the Digital Age},
	url = {https://m2.mtmt.hu/api/publication/32299542},
	author = {Banai, Ádám and Kolozsi, Pál Péter and Ladányi, Sándor},
	journal-iso = {FINANC ECON REV},
	journal = {FINANCIAL AND ECONOMIC REVIEW},
	volume = {20},
	unique-id = {32299542},
	issn = {2415-9271},
	year = {2021},
	eissn = {2415-928X},
	pages = {138-146},
	orcid-numbers = {Banai, Ádám/0000-0002-3973-1535; Kolozsi, Pál Péter/0000-0001-5713-776X}
}