Benjamin Guin

Senior Economist - Prudential Policy Directorate

Biography

Benjamin is a Senior Economist in the Prudential Policy Directorate at the Bank of England. Since joining the Bank in August 2016, Benjamin has held various roles, including a recent secondment as a Research Advisor in the Monetary Analysis Directorate.

His research examines the intersection of financial regulation, real estate, and household finance, with a focus on financial risks and the effects of prudential policies. Benjamin led our external engagement efforts by chairing the Bank’s Research Seminar series and the Research Visitor Programme, and by co-organising the Research Support Programme. He is also a research associate at the University of Warwick’s CAGE research centre.

In addition to his research, Benjamin contributes to the development, implementation, and evaluation of the regulatory framework for financial institutions. He has been a member of working groups for the Basel Committee on Banking Supervision (BCBS) and the European Banking Authority (EBA).

Before joining the Bank of England, Benjamin completed several short-term placements at the European Central Bank (ECB), the Swiss Financial Market Supervisory Authority (FINMA), and Deutsche Bundesbank. He was also a Chazen Visiting Scholar at Columbia University.

Benjamin holds a PhD in Economics and Finance from the University of St.Gallen (HSG) in 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).