Rodriguez Tous
Email: Francesc.Rodriguez-Tous at city.ac.uk
Welcome to my academic webpage.
I am a Senior Lecturer in Banking and Course Director of the MSc in Banking and International Finance at Bayes Business School (formerly Cass), City St George's, University of London.
My research focuses on banking regulation, macroprudential and monetary policy, and mortgage markets.
Working papers
Monetary policy and mortgage fixation lengths, with Ani Rajan and Mauricio Salgado-Moreno. Bank of England Staff Working Paper 1,158. 2025.
Macroprudential and monetary policy: Loan-level evidence from reserve requirements, with Cecilia Dassatti Camors, José-Luis Peydró, and Sergio Vicente. UPF Economics Working Paper 1650. 2019.
Publications
Loan evergreening through banks' lenses: Evidence from credit product-level data, with Cecilia Dassatti Camors and Rodrigo Lluberas. Journal of Money, Credit and Banking. Forthcoming.
Bank capital regulation and derivatives clearing, with Jonathan Acosta-Smith and Gerardo Ferrara. International Journal of Finance and Economics 31(1): 1232–1249. 2026.
Distributional consequences of borrower-based macroprudential tools, with José-Luis Peydró, Jagdish Tripathy, and Arzu Uluc. Chapter in the Research Handbook of Macroprudential Policy, Edward Elgar. 2026. Bank of England Staff Working Paper 1,151. 2025.
Macroprudential policy, mortgage cycles and distributional effects: Evidence from the UK, with José-Luis Peydró, Jagdish Tripathy, and Arzu Uluc. The Review of Financial Studies 37(3): 727–760. 2024.
Securities trading by banks and credit supply: Micro-evidence from the crisis, with Puriya Abbassi, Rajkamal Iyer, and José-Luis Peydró. Journal of Financial Economics 121(3): 569–594. 2016.
In the press
Crypto tech is about to transform how you buy your home, The Telegraph. June 2026. (quoted)
Is private credit the next shadow banking threat?, FT Adviser. May 2026. (authored)
Mortgage leverage limits, housing inequality, and financial stability, Faculti.net. April 2026. (interview)
Letter to the Editor: Freer lending limits, The Times. February 2026. (authored)
Lloyds leads charge in using blockchain to disrupt UK banking, FT. January 2026. (quoted)
Should the £85,000 Financial Services Compensation limit be increased?, The Times. May 2023. (authored)
U.S. bank busts are prompting a closer look at deposit insurance - there and elsewhere, CBC. April 2023. (quoted)
Rising interest rates: why the Bank of England has increased rates again and what to expect next, The Conversation. November 2022. (authored)
References
José-Luis Peydró, Professor of Economics and Finance, LUISS and EIEF.
Rajkamal Iyer, Professor of Financial Economics, Imperial College Business School.
Max Bruche, Professor of Finance, Humboldt-Universität zu Berlin.
Vasso Ioannidou, Professor of Finance, Bayes Business School.
Teaching
Course Director, MSc in Banking and International Finance, Bayes Business School.
Topics in Banking and Finance, MRes, Bayes Business School.