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Ehraz Refayet

Senior Financial Economist

Market Risk Analysis Division

Ehraz Refayet is a senior financial economist in the Market Risk Analysis Division within Supervision Risk & Analysis at the Office of the Comptroller of the Currency (OCC).

Dr. Refayet joined the OCC in 2015. He holds a Ph.D. in economics from the George Washington University. Dr. Refayet’s research interests include corporate debt, credit derivatives, climate economics, and financial intermediation.

Dr. Refayet’s research can be found here.

  1. Darst, Matthew, and Refayet, Ehraz (2018). “Credit Default Swaps in General Equilibrium: Endogenous Default and Credit Spread Spillovers” Journal of Money, Credit and Banking, 2018, 50(8), 1901-1933

  1. Darst, Matthew, and Refayet, Ehraz (2022). “Model of Endogenous Debt Maturity with Heterogenous Agents.”
  2. Darst, Matthew, and Refayet, Ehraz (2021). “Equilibrium Investment Distortions with Adverse Selection.”
  3. Darst, Matthew, Refayet, Ehraz, and Vardoulakis, Alexandros (2021). “Banks, Non-Banks, and Lending Standards.”