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SMEs and Access to Bank Credit: Evidence on the Regional Propagation of the Financial Crisis in the UK

Degryse, Hans; Matthews, Kent; Zhao, Tianshu - 2015

’ financial condition before and during the financial crisis. Employing unique data on the geographical location of all bank … branches in the UK, we connect firms’ access to bank credit to the financial condition (i.e., bank health and the use of core … deposits) of all bank branches in the vicinity of the firm over the period 2004-2011. Before the crisis, banks’ local financial …

Persistent link: https://www.econbiz.de/10011307086

Rules versus discretion in loan rate setting

Cerqueiro, Geraldo; Degryse, Hans; Ongena, Steven - 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 process....

Persistent link: https://www.econbiz.de/10010264203

When Arm's Length Is Too Far. Relationship Banking over the Business Cycle

Beck, Thorsten; Degryse, Hans; de Haas, Ralph; van … - 2014

Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...

Persistent link: https://www.econbiz.de/10010398626