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We compare observed corporate cumulative default probabilities to those calculated using a stochastic model based on an extension of the work of Black and Cox and find that corporations default as if via diffusive dynamics. The model, based…

Soft Condensed Matter · Physics 2008-12-02 Ting Lei , Raymond J. Hawkins

The modeling of the probability of joint default or total number of defaults among the firms is one of the crucial problems to mitigate the credit risk since the default correlations significantly affect the portfolio loss distribution and…

Risk Management · Quantitative Finance 2022-08-08 Puneet Pasricha , Dharmaraja Selvamuthu , Selvaraju Natarajan

We develop a dynamic point process model of correlated default timing in a portfolio of firms, and analyze typical default profiles in the limit as the size of the pool grows. In our model, a firm defaults at a stochastic intensity that is…

Risk Management · Quantitative Finance 2013-02-13 Kay Giesecke , Konstantinos Spiliopoulos , Richard B. Sowers

Inspired by the bankruptcy of Lehman Brothers and its consequences on the global financial system, we develop a simple model in which the Lehman default event is quantified as having an almost immediate effect in worsening the credit…

Risk Management · Quantitative Finance 2011-10-18 Paweł Sieczka , Didier Sornette , Janusz A. Hołyst

We study the collective behaviour of an ensemble of coupled motile elements whose interactions depend on time and are alternatively attractive or repulsive. The evolution of interactions is driven by individual internal variables with…

Statistical Mechanics · Physics 2009-11-10 Damian H. Zanette , Alexander S. Mikhailov

In a previous paper, we applied a field formalism to analyze capital allocation and accumulation within a microeconomic framework of investors and firms. The financial connections were modeled by a field of stakes, representing the links…

Other Condensed Matter · Physics 2025-11-14 Pierre Gosselin , Aïleen Lotz

Diffusion in a linear potential in the presence of position-dependent killing is used to mimic a default process. Different assumptions regarding transport coefficients, initial conditions, and elasticity of the killing measure lead to…

Computational Finance · Quantitative Finance 2015-05-30 Yuri A. Katz

Collectives form non-equilibrium social structures characterised by a volatile dynamics. Individuals join or leave. Social relations change quickly. Therefore, differently from engineered or ecological systems, a resilient reference state…

Physics and Society · Physics 2022-10-19 Frank Schweitzer , Christian Zingg , Giona Casiraghi

In a previous work, we applied a field formalism to analyze capital allocation and accumulation within a network of investors and firms. In that framework, financial agents could invest in firms or in other investors, and banks-introduced…

Other Condensed Matter · Physics 2025-11-06 Pierre Gosselin , Aïleen Lotz

Human society and natural environment form a complex giant ecosystem, where human activities not only lead to the change of environmental states, but also react to them. By using collective-risk social dilemma game, some studies have…

Physics and Society · Physics 2024-04-24 Linjie Liu , Xiaojie Chen , Attila Szolnoki

Addressing both natural and societal challenges requires collective cooperation. Studies on collective-risk social dilemmas have shown that individual decisions are influenced by the perceived risk of collective failure. However, existing…

Adaptation and Self-Organizing Systems · Physics 2026-03-26 Lichen Wang , Shijia Hua , Yuyuan Liu , Liang Zhang , Linjie Liu , Attila Szolnoki

We study a simple, solvable model that allows us to investigate effects of credit contagion on the default probability of individual firms, in both portfolios of firms and on an economy wide scale. While the effect of interactions may be…

Physics and Society · Physics 2008-12-02 J. P. L. Hatchett , R. Kuehn

Reputation plays a crucial role in social interactions by affecting the fitness of individuals during an evolutionary process. Previous works have extensively studied the result of imitation dynamics without focusing on potential irrational…

Physics and Society · Physics 2024-04-24 Kehuan Feng , Songlin Han , Minyu Feng , Attila Szolnoki

This paper examines how firm-level determinants of industrial emissions evolve over time as firms adapt to environmental regulation, economic conditions, and organisational constraints. Using a panel of 204 U.S. industrial facilities…

Econometrics · Economics 2026-05-25 George Kapetanios , Steven Ongena , Alexia Ventouri , Huiyan Xiao

In this paper, we propose a dynamical model to capture cascading failures among interconnected organizations in the global financial system. Failures can take the form of bankruptcies, defaults, and other insolvencies. The network that…

Optimization and Control · Mathematics 2023-11-13 Leonardo Stella , Dario Bauso , Franco Blanchini , Patrizio Colaneri

In the context of micro-finance, a group of individuals undertake business projects that may interfere with one another. A contagious default happens if one person's project failure leads to the default of another group member. In this…

Mathematical Finance · Quantitative Finance 2026-04-01 Héctor Jasso-Fuentes , Alejandra Quintos , Xinta Yang

We investigate the impact of available information on the estimation of the default probability within a generalized structural model for credit risk. The traditional structural model where default is triggered when the value of the firm's…

Pricing of Securities · Quantitative Finance 2019-11-19 Imke Redeker , Ralf Wunderlich

Dynamical systems with components whose sizes evolve according to multiplicative stochastic rules have been recently combined with entry and exit processes. We show that the assumptions usually made in modeling exits are at odds with the…

Condensed Matter · Physics 2007-05-23 Corrado Di Guilmi , Edoardo Gaffeo , Mauro Gallegati

We develop a mathematical model to describe the persistence of rule-breaking behaviors in societies, such as traffic violations, disregard for legal restrictions and other forms of noncompliance. Using a replicator-type dynamics with…

Physics and Society · Physics 2026-05-27 Nuno Crokidakis

In modern interconnected societies, opinions and beliefs can quickly spread across large populations, giving rise to collective behaviors such as the adoption of social norms or polarization. These phenomena have motivated many models aimed…

Physics and Society · Physics 2026-05-27 Cosimo Agostinelli , Marco Mancastroppa , Alain Barrat
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