This paper analyses empirically the effect of judicial efficiency on bank credit contractual terms for the universe of … proceedings across different jurisdictions, the paper uses a spatial regression discontinuity design that compares credit … conditions applied to firms located in municipalities on different sides of jurisdiction borders, controlling for bank …

free riding. As the number of banks grows, the chance of re-encountering a bank and of being punished for free riding …

investigate a specific type of externality that originates from those borrowers that obtain liquidity from more than one bank. In … this case, contagion may occur if a bank hit by a liquidity shock calls in some loans and borrowers then pay them back by …

We study the impact of bank credit supply on firm output and productivity. By exploiting a matched firm-bank database … which covers all the credit relationships of Italian corporations over more than a decade, we measure idiosyncratic supply …-side shocks to firms' credit availability. We use our data to estimate a production model augmented with financial frictions and …

temporary reduction in firm credit. Using bank-firm matched data, this paper investigates the impact of M&As involving Italian …The literature has shown that in the short- and medium-term bank mergers and acquisitions (M&As) may generate a … banks over the period 2009-2019 on credit to firms, exploring possible heterogeneities across several dimensions. During a 3 …

informal credit (loans from relatives and friends) and a household's access to bank credit. While most of the literature has … focused on the substitutability channel, we highlight that even households with full access to the formal credit market are … local credit supply on the diffusion of informal loans, using an IV approach. The results suggest that the complementarity …

This paper studies the effect of credit scoring by banks on bank lending to small businesses by addressing the … across bank characteristics such as size, capital, and profitability. Overall our results suggest that credit scoring has a … following questions: does credit scoring increase or decrease the propensity of banks to grant credit? Does it improve the …

This paper analyzes the role of bank credit in firms' export performance. We use Italian bank-firm matched data and … contribute to the existing literature by focusing on the link between bank-credit and exports in 'normal times' (1997-2008) and … causal link that goes from bank credit to exports, exploiting bank mergers and acquisitions as a source of bank credit supply …

when the bank: i) is geographically closer to borrowing firms; ii) relies more on soft than hard information; and iii … among organizational variables: the adoption of credit scoring increases the likelihood of restructuring if banks also use … these techniques systematically in the monitoring process and if they adopt more decentralized structures. Bank size per se …

effect on the level of bank credit. Second, countries with a German legal origin have higher ratios of loans to GDP than …Given the importance of banking intermediation, we investigate the determinants of the size of bank loans in 18 OECD …