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Rules versus Discretion in Loan Rate Setting
Degryse, Hans; Cerqueiro, G.M.; Ongena, S. - Tilburg University, Tilburg Law and Economic Center - 2007
We propose a heteroscedastic regression model to identify the determinants of the dispersion in interest rates on loans granted to small and medium sized enterprises. We interpret unexplained deviations as evidence of the banks’ discretionary use of market power in the loan rate setting...
Persistent link: https://www.econbiz.de/10011093117
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Distance, Bank Organizational Structure and Credit
Degryse, Hans; Cerqueiro, G.M.; Ongena, S. - Tilburg University, Tilburg Law and Economic Center - 2007
We survey the extant literature on the effects of both a bank’s organizational structure and the physical distance … costs within a bank. …
Persistent link: https://www.econbiz.de/10011093153
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The Impact of Organizational Structure and Lending Technology on Banking Competition
Degryse, Hans; Laeven, L.; Ongena, S. - Tilburg University, Tilburg Law and Economic Center - 2007
Recent theoretical models argue that a bank’s organizational structure reflects its lending technology. A … hierarchically organized bank will employ mainly hard information, whereas a decentralized bank will rely more on soft information …. We investigate theoretically and empirically how bank organization shapes banking competition. Our theoretical model …
Persistent link: https://www.econbiz.de/10011093210