A puzzling but consistent result in the empirical literature on banking is that firms with close bank ties do not grow … faster than bank-independent firms. In this paper, we reconsider the link between relationship lending and firms' growth … can be compensated by other negative capture, risk and externality effects which make relational banks reluctant to …

and bank headquarters). However, during the crisis, we find that SMEs with in their vicinity banks that have stronger …We study the sensitivity of banks' credit supply to small and medium size enterprises (SMEs) in the UK to banks … deposits) of all bank branches in the vicinity of the firm over the period 2004-2011. Before the crisis, banks' local financial …

loan from a fintech lender than a traditional bank. Among conventional lenders, smaller banks were much less likely to lend … to Black-owned firms, while the Top-4 banks exhibited little to no disparity after including controls. We use novel data … to show that the disparity is not primarily explained by differences in pre-existing bank or credit relationships, firm …

-sized enterprises (SMEs). We conjecture that easy-to-understand risk ratings conveyed by the platform play a pronounced role in … influencing the borrowing success of SMEs and that more sophisticated financial information and adverse selection are largely … absent in these markets. We introduce a dataset of 414 SME marketplace loans and 8,236 online loan days to test these …

Small businesses (SMEs) depend on banks for credit. We show that the severity of the Eurozone crisis was worse in … countries where firms borrowed more from domestic banks ("domestic bank dependence") than in countries where firms borrowed more … banks while foreign banks' lending to the real sector stayed flat. Hence, SMEs remained dependent on domestic banks and were …

bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit … reduced the small business loans originated by banks, in particular, in the low- or moderate-income tracts as well as in the …

, we establish that job creation by young firms is stronger in US counties more exposed to banks with greater IT adoption …. We present evidence consistent with banks’ IT adoption spurring entrepreneurship through a collateral channel …: entrepreneurship increases by more in IT-exposed counties when house prices rise. Further analysis suggests that IT improves banks …

prices, market shares, and profits. Our demand estimation results show large differences in brand loyalty, and switching …We consider a dynamic oligopoly on the beer market and study the differential effects of switching costs on product …

public finances. Regimes for restructuring and restoring banks financed by bank levies and fiscal backstops seek to reduce … bank. For the banks affected most by the levy, we find evidence of fewer loans, higher lending rates, and lower deposit …Bank distress can have severe negative consequences for the stability of the financial system, the real economy, and …