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For example, the efficiency models of Equations 29.2 and 29.3 are derived based on a joint hypothesis: i the market equilibrium re-turns or prices are assumed to be some functions of the

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Chapter 29 MARKET EFFICIENCY HYPOTHESIS

MELODY LO, University of Southern Mississippi, USA

Abstract

Market efficiency is one of the most fundamental

research topics in both economics and finance Since

Fama (1970) formally introduced the concept of

market efficiency, studies have been developed at

length to examine issues regarding the efficiency of

various financial markets In this chapter, we review

elements, which are at the heart of market efficiency

literature: the statistical efficiency market models,

joint hypothesis testing problem, and three

categor-ies of testing literature

Keywords: market efficiency; security returns;

in-formation; autocorrelation; serial correlation

(tests); random walk model; (sub)martingale;

hy-pothesis testing; (speculative) profits; trading rules;

price formation

29.1 Definition

The simplest but economically reasonable

state-ment of market efficiency hypothesis is that

security prices at any time fully reflect all

avail-able information to the level in which the profits

made based on the information do not exceed

the cost of acting on such information The cost

includes the price of acquiring the information

and transaction fees When the price formation in

equity market satisfies the statement, market

participants cannot earn unusual profits based

on the available information This classical

market efficiency definition was formally

intro-duced by Fama (1970), and developed at length

by researchers in the field

29.2 The Efficient Market Model Much of work on this line of research is based on

an assumption that the condition of market equi-librium can be stated in terms of expected returns Although there exists diversified expected return theories, they can in general be expressed as fol-lows:

E( ^pi,tþ1)¼ [1 þ E(^rri,tþ1 jIt)] pi,t, (29:1)

where E is the expected value operator; pi,t is the price of security i in period t, ri,tþ1 is the one-period rate of return on security i in the one-period ending at tþ 1, and E(ri,tþ1 jIt) is the expected rate of return conditional on information (I ) avail-able in period t Also, variavail-ables with hats indicate that they are random variables in period t The market is said to be efficient, if the actual security prices are identical to their equilibrium expected values expressed in Equation (29.1) In other words, if the actual security price formation fol-lows the market efficiency hypothesis, there would

be no expected returns=profits in excess of equilib-rium expected returns For a single security, this concept can be expressed as follows:

E( ^Zi,tþ1 jIt)¼ 0, and

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where Zi,tþ1 is the return at tþ 1 in excess of

the equilibrium expected returns anticipated at t

This concept can also apply to the entire security

market Suppose that market participants use

infor-mation, It, to allocate the amount, li(It), of funds

available to each of n security that makes up the entire

security market If the price formation of each of n

security follows Equation (29.2), then the total excess

market value at tþ 1( ^Vtþ1) equals to zero, i.e

E( ^Vtþ1 jIt)¼Xn

i¼1

li(It)E( ^Zi,tþ1 jIt)¼ 0: (29:3)

The general efficient market models of Equations

(29.2) and (29.3) are the foundations for empirical

work in this area Researchers in the field largely

agree that security prices ‘‘fully reflect’’ all available

information has a direct implication: successive

returns (or price changes) are independent

Conse-quently, researchers tend to conclude market is

efficient if there are evidences that demonstrate

E( ^Zi,tþ1 jIt)¼ 0 and Zi,t is uncorrelated with Zi,tþk

for any value of k Similarly, if E( ^Vtþ1 jIt)¼ 0 and

Vi,t is uncorrelated with Vi,tþk for any value of k,

market is evident to be efficient

Based on efficiency models in Equations (29.2)

and (29.3), two special statistical models,

submar-tingale and random walk, are closely related to the

efficiency empirical literature The market is said

to follow a submartingale when the following

con-dition holds:

E( ^Zi,tþ1 jIt) $ 0 for all t and It: (29:4)

The expected returns conditional on Itis nonnegative

and has an important implication on trading rule

This means investors should hold the security once it

is bought during any future period, because selling it

short cannot generate larger returns More

import-antly, if Equation (29.4) holds as equality, the market

is said to follow a martingale Researchers usually

conclude that security prices follow ‘‘patterns’’ and

market is inefficient when the empirical evidences are

toward rejection of a martingale model

The security prices exhibit the random walk

statistical property if not only that the successive

returns are independent but also that they are identically distributed Using f to denote the dens-ity function, the random walk model can be ex-pressed as follows:

f (ri,tþ1 jIt)¼ f (ri,tþ1) for all t and It: (29:5) The random walk property indicates that the return distributions would repeat themselves Evidences

on random walk property are often considered to

be a stronger supportive of market efficiency hy-pothesis than those on (sub)martingale property

29.3 The Joint Hypothesis Problem The continuing obstacle in this line of empirical literature is that the market efficiency hypothesis per se is not testable This is because one cannot test market efficiency hypothesis without imposing restrictions on the behavior of expected security returns For example, the efficiency models of Equations (29.2) and (29.3) are derived based on

a joint hypothesis: (i) the market equilibrium re-turns (or prices) are assumed to be some functions

of the information set and (ii) the available infor-mation is assumed to be fully utilized by the mar-ket participants to form equilibrium returns, and thereby current security prices As all empirical tests of market efficiency are tests of a joint hy-pothesis, a rejection of the hypothesis would al-ways lead to two possible inferences: either (i) the assumed market equilibrium model has little abil-ity to capture the securabil-ity price movements or (ii) the market participants use available information inefficiently Because the possibility that a bad equilibrium model is assumed to serve as the benchmark can never be ruled out, the precise inferences about the degree of market efficiency remains impossible to identify

29.4 Three Categories of Testing Literature The empirical work on market efficiency hypoth-esis can be categorized into three groups First, weak-form tests are concerned with how well past

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security returns (and other explanatory variables)

predict future returns Second, semi-strong-form

tests focus on the issue of how fast security price

responds to publicly available information Third,

strong-form tests examine whether security prices

fully reflect private information

29.4.1 Weak-Form Tests

Controversy about market efficiency centers on the

weak-form tests Many results from earlier works

on weak-form tests come directly from the

submar-tingale expected return model or the random walk

literature In addition, much of the earlier works

consider information set as just past historic

re-turns (or prices) The most frequently used

proced-ure to test the weak form of efficient markets is to

examine whether there is statistically significant

autocorrelation in security returns using serial

cor-relation tests A pattern of autocorcor-relation in

se-curity returns is interpreted as the possibility that

market is inefficient and market participants are

irrational, since they do not fully exploit

specula-tive opportunities based on the price dependence

The serial correlation tests are tests of a linear

relationship between current period’s returns (Rt)

and past returns (Rt1):

Rt¼ a0þ a1Rt1 þ «t, (29:6)

where Rtis the rate of return, usually calculated as

the natural logarithm first differences of the

trad-ing price (i.e Rt¼ ln Pt ln Pt1; Pt and Pt1 are

the trading prices at the end of period t and of

period t 1, respectively.), a0 is the expected

re-turn unrelated to previous rere-turns, and a1 is the

size of first-order autocorrelation in the rate of

returns For market efficiency hypothesis to hold,

a1 needs to be statistically indifferent from 0

After conducting serial correlation analysis,

Kendall (1953) concluded that market is efficient

because weekly changes in 19 indices of British

industrial share prices and in spot prices for cotton

and wheat exhibit the random walk property

Roberts (1959) notes that similar statistical results

can be found when examining weekly changes in

Dow Jones Index (See also Moore, 1962; Godfrey

et al., 1964; and Fama, 1965.) Some researchers later argued that the size of serial correlation in returns offers no precise implications on the extent

of speculative profits available in the market They propose that examining the profitability of various trading rules can be a more straightforward meth-odology for efficiency tests A representative study that adopted this methodology was done by Alex-ander (1961), where he examines the profitability

of various trading rules (including the well-known y% filter rule) Despite a positive serial correlation

in return series, he also discovers that y% filter rule cannot outperform buy-and-hold rule He thus concludes that the market is still an efficient one Similarly, Fama and Blume (1966) find positive dependence in very short-term individual stock price of the Dow Jones Industrial index Yet, they also suggest that market is efficient because the overall trading costs from any trading rule, aiming

to utilize the price dependence to profit, is suffi-ciently large to eliminate the possibility that it would outperform the buy-and-hold rule In gen-eral, results from earlier work (conducted before the 1970s) provide no evidence against efficient market hypothesis since they all report that the autocorrelations in returns are very close to 0

As more security data becomes available, the post-1970 studies always claim that there is signifi-cant (and substantial) autocorrelation in returns Lo and MacKinlay (1988) report that there is positive autocorrelation in weekly returns on portfolios of NYSE stocks grouped according to size In particu-lar, the autocorrelation appears to be stronger for portfolios of small stocks According to Fisher’s (1966) suggestion, this result could be due to the nonsynchronous trading effect Conrad and Kaul (1988) investigate weekly returns of size-based port-folios of stocks that trade on both Wednesdays to somehow alleviate the nonsynchronous trading ef-fect However, as in Lo and MacKinlay (1988), they find positive autocorrelation in returns and that this pattern is stronger for portfolios of small stocks

On another note, the post-1970 weak-form test studies focus on whether variables other than past

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returns can improve return predictability Fama

and French (1988) use dividend yield to forecast

returns on the portfolios of NYSE stock They find

that dividend yield is helpful for return

predictabil-ity On the other hand, Compbell and Shiller

(1988) report that earnings=price ratio increases

the return predictability In summary, recent

stud-ies suggest that returns are predictable when

vari-ables other than past returns are used and the

evidences seem to be against the market efficiency

hypothesis that was well supported before the

1970s

29.4.2 Semi-strong-Form Tests

Each of the semi-strong-form tests is concerned

with the speed of price adjustment to a particular

public information event The event can be

macro-economic announcement, companies’ financial

reports, or announcement on stock split The initial

work in this line of research was by Fama et al.,

(1969), in which they studied the speed of price

adjustment to the stock-split announcement Their

results show that the informational implications of

a stock split are fully reflected in the price of a share

at least by the end of the month, or most probably

almost immediately after the day of the stock-split

announcement They therefore conclude that the

stock market is efficient because the prices respond

quite speedily to new public information Waud

(1970) uses residual analysis to study how fast

mar-ket reacts to the Federal Reserve Bank’s

announce-ment on discount rate changes The result suggests

that market responds rapidly to the interest-rate

announcement even when the Federal Reserve

Board is merely trying to bring the discount rate in

line with other market rates Ball and Brown (1968)

investigate the price reactions to the

annual-earn-ings announcement They conclude that market

participants seem to have anticipated most

infor-mation by the month’s end, after the

annual-earn-ings announcement These earlier studies (prior to

the 1970s), focusing on different events of public

announcement, all find supportive evidences of

market efficiency hypothesis Since the 1970s, the

semi-strong-form test studies have been developed

at length The usual result is that stock price adjusts within a day of the announcement being made pub-lic Nowadays, the notation that security markets are semi-strong-form efficient is widely accepted among researchers

29.4.3 Strong-Form Tests The strong-form tests are concerned with whether prices fully reflect all available information so that

no particular group of investors have monopolistic access to some information that can lead to higher expected returns than others It is understandable that as long as some groups of investors in reality

do have monopolistic access to the information, the strong-form market efficiency hypothesis is impossible to hold In fact, both groups of special-ists, NYSE (see Niederhoffer and Osborne, 1966) and corporate insiders (see Scholes, 1969), have monopolistic access to information, and which has been documented Since the strong-form effi-ciency model is impossible to satisfy, the main focus in this line of work is to assess if private information leads to abnormal expected returns, and if some investors (with private information) perform better than others because they possess more private information The most influential work before the 1970s was by Jensen (1968, 1969) where he assessed the performance of 115 mutual funds Jensen (1968) finds that those mutual funds under examination on average were not able to predict security prices well enough to outperform the buy-and-hold trading rule Further, there ap-pears no evidence suggesting that individual mu-tual fund performs significantly better than what

we expect from random chances Using Sharpe– Lintner theory (see Sharpe, 1964; Lintner, 1965), Jansen (1969) developed a model to evaluate the performance of portfolios of risk assets Most im-portantly, he manages to derive a measure of port-folio’s ‘‘efficiency’’ The empirical results show that on average the resources spent by the funds managers to better forecast security prices do not generate larger portfolio returns than what could

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have been earned by equivalent risk portfolios

selected either by random selection trading rule

or by combined investments in market portfolios

and government bonds Jansen further interprets

his results that probably mutual fund managers do

not have access to private information These

re-sults are clear in line with strong-form market

efficiency models because evidence suggests that

current security prices have fully reflected the

ef-fects of all available information After the 1970s,

there is less of new research examining investors’

access to private information that is not reflected

in security prices Representative studies were done

by Henriksson (1984) and Chang and Lewellen

(1984) In tests of 116 mutual funds, Henriksson

(1984) reports that there is difference between

mu-tual fund returns and Sharpe–Lintner market line

Similarly, Chang and Lewellen (1984) note that

examination of mutual fund returns show no

sup-portive evidence of fund managers’ superior

selec-tion abilities In short, recent studies largely agree

to prior literature’s view that investors with private

information are unable to outperform a passive

investment strategy Evidences are still in favor of

the existence of market efficiency hypothesis

29.5 Conclusion

This review has been brief and so various issues

related to market efficient model have not been

considered Volatility tests of market efficiency,

and cross-sectional return predictability based on

various asset pricing models are just some of the

omitted issues For more details, readers are

referred to two excellent market efficiency survey

papers by Fama (1970, 1991)

REFERENCES Alexander, S.S (1961) ‘‘Price movements in speculative

markets: trends or random walks.’’ Industrial

Man-agement Review, 2: 7–26.

Ball, R and Brown, P (1968) ‘‘An empirical evaluation

of accounting income numbers.’’ Journal of

Account-ing Research, 6: 159–178.

Chang E.C., and Lewellen, W.G (1984) ‘‘Market tim-ing and mutual fund investment performance.’’ Jour-nal of Business, 57: 57–72.

Compbell J.Y and Shiller, R (1988) ‘‘Stock prices, earnings and expected dividends.’’ Journal of Fi-nance, 43: 661–676.

Conrad, J and Kaul, G (1988) ‘‘Time-variation in expected returns.’’ Journal of Business, 61(4): 409–425.

Fama, E.F (1965) ‘‘The behavior of stock market price.’’ Journal of Business, 38(1): 34–105.

Fama, E.F (1970) ‘‘Efficient capital markets: a review

of theory and empirical work.’’ Journal of Finance, 25(2): 383–417.

Fama, E.F (1991) ‘‘Efficient capital markets: II.’’ Jour-nal of Finance, 46(5): 1575–1617.

Fama, E.F and Blume, M (1966) ‘‘Filter rules and stock market trading profits.’’ Journal of Business (Special Supplement), 39: 226–241.

Fama, E.F and French, K.R (1988) ‘‘Dividend yields and expected stock returns.’’ Journal of Financial Economics, 22: 3–25.

Fama, E.F., Fisher, L., Jensen, M.C., and Roll, R (1969).

‘‘The Adjustment of Stock Prices to New Informa-tion.’’ International Economic Review, 5: 1–21

Fisher, L (1966) ‘‘Some new stock-market indexes.’’ Journal of Business, 39(1), Part 2: 191–225.

Godfrey, M.D., Granger, C.W.J., and Morgenstern, O (1964) ‘‘The random walk hypothesis of stock mar-ket behavior.’’ Kyklos, 17: 1–30.

Henriksson, R.T (1984) ‘‘Market timing and mutual fund performance: an empirical investigation.’’ Jour-nal of Business, 57: 73–96.

Jensen, M.C (1968) ‘‘The performance of mutual funds in the period 1945–64.’’ Journal of Finance, 23: 389–416.

Jensen, M.C (1969) ‘‘Risk, the pricing of capital assets, and the evaluation of investment portfolios.’’ Journal

of Business, 42: 167–247.

Kendall, M.G (1953) ‘‘The analysis of economic time-series, Part I: Prices.’’ Journal of the Royal Statistical Society, 96 (Part I): 11–25.

Lintner, J (1965) ‘‘Security prices, risk, and maximal gains from diversification.’’ Journal of Finance, 20: 587–615.

Lo, A.W and MacKinlay, A.C (1988) ‘‘Stock market prices do not follow random walks: evidence from a simple specification test.’’ Review of Financial Stud-ies, 1(1): 41–66.

Moore, A (1962) ‘‘A Statistical Analysis of Common Stock Prices.’’ PhD thesis, Graduate School of Busi-ness, University of Chicago.

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Niederhoffer, V and Osborne, M.F.M (1966) ‘‘Market

making and reversal on the stock exchange.’’ Journal

of the American Statistical Association, 61: 897–916.

Roberts, H.V (1959) ‘‘Stock market ‘patterns’ and

financial analysis: methodological suggestions.’’

Journal of Finance, 14: 1–10.

Scholes, M (1969) ‘‘A test of the competitive

hypoth-esis: the market for new issues and secondary

offer-ing.’’ PhD thesis, Graduate School of Business, University of Chicago.

Sharpe, W.F (1964) ‘‘Capital assets prices: a theory of market equilibrium under conditions of risk.’’ Journal

of Finance, 19: 425–442.

Waud, R.N (1970) ‘‘Public interpretation of federal discount rate changes: evidence on the ‘Announce-ment Effect’.’’ Econometrica, 38: 231–250.

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Chapter 30

THE MICROSTRUCTURE=

MICRO-FINANCE APPROACH

TO EXCHANGE RATES MELODY LO, University of Southern Mississippi, USA

Abstract

The vast empirical failure of standard macro

ex-change rate determination models in explaining

exchange rate movements motivates the development

of microstructure approach to exchange rates in the

1990s The microstructure approach of incorporating

‘‘order flow’’ in empirical models has gained

consid-erable popularity in recent years, since its superior

performance to macro exchange rate models in

explaining exchange rate behavior It is shown that

order flow can explain about 60 percent of exchange

rate movements versus 10 percent at most in standard

exchange rate empirical models As the

microstruc-ture approach to exchange rates is an active ongoing

research area, this chapter briefly discusses key

concepts that constitute the approach

Keywords: microstructure approach; order flow;

exchange rates; macroexchange rate models;

het-erogeneous information; private information; asset

market approach; goods market approach;

cur-rency; divergent mappings; transaction

30.1 Definition

The microstructure approach to exchange rates is

considered to be a fairly new but active research

area This line of research emerged in the early

1990s mostly due to the vast empirical failure

of standard macro exchange rate determination models In more recent years (the late 1990s), there was considerably a large amount of pub-lished work regarding the microstructure approach

to exchange rates, suggesting order flow is evident

to be the missing piece in explaining exchange rate behavior The following definition of the micro-structure approach to exchange rates comes dir-ectly from its pioneer, Richard Lyons (See Lyons, 2001)

The microstructure approach is a new approach

to exchange rates whose foundations lie in micro-economics (drawing particularly from microstruc-ture finance) The focus of the approach is dispersed information and how information of this type is aggregated in the marketplace By dispersed information, we mean dispersed bits of information about changing variables like money demands, risk preferences, and future inflation Dispersed information also includes information about the actions of others (e.g about different trading responses to commonly observed data) The fact that the private sector might be solv-ing a problem of dispersed information is not con-sidered in traditional macro models Rather, macro models assume that information about vari-ables like money demands, risk preferences, and inflation is either symmetric economy-wide, or in

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some models, asymmetrically assigned to a single

player – the central bank In reality, there are

many types of dispersed information that

ex-change rates need to impound Understanding the

nature of this information problem and how it is

solved is the essence of this micro-based research

agenda

30.2 Empirical Failure of Traditional Approaches

To Exchange Rates

The literature has documented extensively the little

ability traditional=standard exchange rate

deter-mination models have to explain exchange rate

behavior Meese and Rogoff (1983) show that a

random walk model outperforms the standard

international-finance models in forecasting

ex-change rates In that respect, Meese (1990) writes

that ‘‘ the proportion of (monthly or quarterly)

exchange rate changes that current models can

explain is essentially zero This result is quite

surprising, since exchange rate changes would be

entirely unpredictable only in very special cases of

the theoretical models discussed.’’ More recently, a

survey paper by Frankel and Rose (1995) also

notes that ‘‘To repeat a central fact of life, there

is remarkably little evidence that macroeconomic

variables have consistent strong effects on floating

exchange rate, except during extraordinary

circum-stances such as hyperinflations.’’

Two most frequently discussed standard

exchange rate determination approaches are

(1) goods market approach and (2) asset market

approach The goods market approach suggests

that exchange rates move to reflect necessary

changes in excess demand=supply of foreign

cur-rency resulting from international trades A

do-mestic economy necessarily demands for more

foreign currencies when its citizens consume more

imported goods The general prediction of goods

market approach is that an increase in domestic

trade deficit must lead to the depreciation of

do-mestic currency against foreign currency

How-ever, existing studies find no empirical evidence to

support any specific relation between current ac-count imbalance and exchange rate movements

In open economies, domestic citizens can pur-chase not only foreign goods but also foreign fi-nancial assets The asset market approach suggests that demand for foreign currency increases when domestic citizens increase their possessions on for-eign assets, and this in turn would cause domestic currency to depreciate against foreign currency Different from the goods market approach, the asset market approach also concerns the market efficiency issue Specifically, the theoretical models

on asset market approach determine equilibrium exchange rate at the level that no public informa-tion can lead to excess returns

In general, the empirical model specification for asset market approach is as follows (Lyons, 2001):

DEt ¼ f1(i,m,z)þ «1t, (30:1)

where DEt is changes in nominal exchange rate (usually monthly or weekly data is used), the func-tion f1(i,m,z) includes the current and past values of domestic and foreign interest rates (i), money sup-ply (m), and all other macro variables (z) Similar to the low predictability of goods market approach, the majority of asset market empirical studies re-port that macro variables in Equation (30.1) explain

10 percent only, at most, of exchange rate move-ments Further details on the empirical failure of various standard exchange rate determination models are well documented by Taylor (1995) The disappointing results from the existing ex-change rate models motivated researchers to look for sources responsible for the empirical failure They attribute the general empirical failure to the unrealistic assumptions shared among standard exchange rate determination models In detail, these models assume that every market participant learns new information at the same time when macroeconomic information=news is made public Further, all market participants are assumed to have the ability to impound macro information into prices to the same level However, both as-sumptions can easily be argued In reality, not only

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market participants’ information set is

heteroge-neous, but also their mapping ability from

avail-able information to price is impossible to be the

same The heterogeneity in information set is

evi-dent from the fact that foreign exchange traders,

working for different banks, each have their own

customers to deal with Transactions with different

customers offer each trader ‘‘private’’ information

that he may not intend to share with others In

addition, it is understandable that different people

tend to interpret the market impact of new

in-formation on exchange rate differently, regardless

whether the information is made available to all

of them at the same time This idea of divergent

mappings from information to prices is discussed by

Isard (1995, pp 182–183) who states that

‘‘econo-mist’s very limited information about the

relation-ship between equilibrium exchange rates and

macroeconomic fundamentals, it is hardly

con-ceivable that rational market participants with

complete information about macroeconomic

fun-damentals could use that information to form

pre-cise expectations about the future market-clearing

level of exchange rates.’’

30.3 Why Microstructure Approach?

The unrealistic assumptions in standard exchange

rate models mentioned above have been relaxed in

the literature that aims to explain why the financial

market crashed It is important to note that despite

events such as stock market crash and currency

crisis appear to be macro issues, they can be largely

explained by microstructure approach that

con-siders the existence of heterogeneous information

among market participants (see Grossman, 1988;

Romer, 1993; Carrera, 1999) For the same token,

Lyons argues that adopting microstructure

ap-proach to investigate the trading process of

ex-change rates may help our understanding on

when and how exchange rates move Lyons

(2001, p 4) notes that the microstructure approach

is an approach that relaxes three of the assets

approach’s most uncomfortable assumptions

First, on the aspect of information, microstructure

models recognize that some information relevant

to exchange rates is not publicly available Second,

on the aspect of players, microstructure models recognize that market participants differ in ways that affect prices Last, on the institutional aspect, microstructure models recognize that trading mechanism differs in ways that affect prices

30.4 The Information Role of Order Flow The central variable that takes the fundamental role in microstructure approach, but has never been presented in any of previous exchange rate models, is order flow Order flow is cumulative flow of signed transaction volume A simple ex-ample on how order flow is counted for individual transaction can be helpful Suppose that a dealer decides to sell 5 units of U.S dollars via a market order (one unit usually represents a transaction worth $1 million), then order flow is counted as –

5 The negative sign is assigned for this $5 million transaction because it is a seller-initiated order Each transaction is signed positively or negatively depending on whether the initiator of the transac-tion is buying or selling Over time, order flow gives us a relative number of buyer-initiated versus seller-initiated orders in a market Thus, order flow provides information to dealers about the relative demand for currencies at any time in the market Since market participant must make buy-or-sell decisions according to available infor-mation (including their private inforinfor-mation), it is presumed that order flow is at certain level driven

by market fundamentals

Order flow plays a fundamental role in exchange rate movements because it has the function to transmit information that is not known by every-one in the market In fact, this concept of order flow transmitting information is intuitionally appealing As an example to describe the intuition, consider two traders (referred to dealer A and dealer B) in the foreign exchange market, and each of them trades for a particular bank Each bank of course has its own customers from whom it buys and sells foreign exchange When THE MICROSTRUCTURE=MICRO-FINANCE APPROACH TO EXCHANGE RATES 593

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dealer A trades with his own customers, he obtains

private information, such as the customers’ view of

the current market (price), and which, is not

known to dealer B However, when dealer A puts

orders in the inter-dealer market in an attempt to

balance out positions with outside customers (for

inventory concern), dealer A’s private information

is learned by dealer B An alternative example is

related to the idea of divergent mappings from

(public) information to prices Suppose dealer A

hears a macro announcement at the same time as

dealer B Although they do not know how each

other would interpret the announcement’s effect

on prices, they can learn this information by

watching how each other trades

A related question that is frequently asked is

‘‘does order flow really contain (market)

informa-tion?’’ The answer is positive The direct evidences

come from dealers themselves In surveys

con-ducted by Cheung and Wong (2000), about 50

percent of dealers who responded to the survey

claim that they believe banks with larger customer

base have information advantage This is because

they get to trade with more customers, and more

transactions ensure more private information,

which leads to better speculative opportunities

Further evidence is from empirical analysis,

which examine whether order flows have a

per-manent effect on prices The rationale behind this

empirical analysis is if order flow does not contain

any information about market fundamentals, it

can only have transitory effect on prices French

and Roll (1986) have used this methodology to

identify the information arrival Using vector

auto-regression models, Evans (2001) and Payne (1999)

found that order flow innovation has long-run

effect on prices This result provides evidence that

order flow does contain information related to

market fundamentals

The general empirical model specification for

microstructure approach to exchange rates can be

written as follows (Lyons, 2001):

DEt ¼ f2(X ,I,Z)þ «2t, (30:2)

where DEt is changes in nominal exchange rate between two transactions, function f2(X ,I ,Z) in-cludes the order flow (X), dealers’ inventory (I), and all other micro variables (Z) The microstruc-ture models predict that an upward move in price

is associated with a situation in which buyer-initiated trades exceed seller-buyer-initiated trades In other words, to support microstructure approach

to exchange rate, there needs to be a positive rela-tion between order flows and prices Lyons (2001) and Evans and Lyons (2002) have shown the con-siderably strong positive impact of order flow on exchange rates More precisely, they have shown that order flow can explain about 60 percent (ver-sus 10 percent at most in standard exchange rate empirical models expressed in Equation (30.1) ) of exchange rate movement

30.5 Conclusion The high explanatory power of order flow for exchange rate movements is exciting news for re-searchers in the area So far, all empirical evidences have suggested order flow is indeed the important missing piece in exchange rate determination Lyons (2001) thus claims that order flows help solve three exchange rate puzzles: (1) the determin-ation puzzle, (2) the excess volatility puzzle, and (3) the forward-bias puzzle Yet, there is not much agreement toward this claim (see Dominguez, 2003) Clearly, more research needs to be done before these puzzles may be solved

REFERENCES Carrera, J.M (1999) ‘‘Speculative attacks to currency target zones: a market microstructure approach.’’ Journal of Empirical Finance, 6: 555–582.

Cheung, Y.W and Wong, C.Y.P (2000) ‘‘A survey market practitioners’ view on exchange rate dynam-ics.’’ Journal of International Economics, 51: 401–423 Dominguez, K.M.E (2003) ‘‘Book Review: Richard

K Lyons, The microstructure approach to exchange rates, 2001, MIT Press’’ Journal of International Eco-nomics, 61: 467–471.

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