Benjamin Guin

Senior Economist - Prudential Policy Directorate

Biography

Benjamin is a Senior Economist in the Prudential Policy Directorate at the Bank of England. His work spans financial regulation, applied research, and policy strategy, with a focus on financial risk, prudential policy, and the transmission of policy to the real economy, particularly through credit and housing markets.

Since joining the Bank in 2016, he has worked across multiple functions, including a secondment as a Research Advisor in the Monetary Analysis Directorate. Alongside his policy work, he has led external research engagement through the Bank’s seminar and visitor programmes, and contributed to international regulatory work through the Basel Committee on Banking Supervision (BCBS) and the European Banking Authority (EBA). He is also a research associate at the University of Warwick’s CAGE research centre.

Before joining the Bank, he held placements at the ECB, FINMA, and Deutsche Bundesbank, and was a Chazen Visiting Scholar at Columbia University. He holds a PhD in Economics and Finance from the University of St. Gallen (HSG), Switzerland.

Benjamin's selected academic publications

The effect of subsidized flood insurance on real estate markets – with N Garbarino and J Lee, Journal of Risk and Insurance (2024).
The greening of lending: Evidence from banks’ pricing of energy efficiency before climate-related regulation – with J Bell and G Battisti, Economics Letters (2023).
Stranded houses? The price effect of a minimum energy efficiency standard – with K Ferentinos and A Gibberd, Energy Economics (2023).
Risk differentials between green and brown assets? – with P Korhonen and S Moktan, Economics Letters (2022). 
High water, no marks? Biased lending after extreme weather – with N Garbarino, Journal of Financial Stability (2021).
Deposit Withdrawals from Distressed Banks: Client Relationships Matter – with M Brown and S Morkoetter, Journal of Financial Stability (2020).
Microfinance Banks and Financial Inclusion – with M Brown and K Kirschenmann, Review of Finance (2016).  
The Exposure of Mortgage Borrowers to Interest Rate Risk and House Price Risk – Evidence from Swiss Loan Application Data – with M Brown, Swiss Journal of Economics & Statistics (2015).