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Cyclicality of SME lending and government involvement in banks

Behr, Patrick; Foos, Daniel; Norden, Lars - 2015

on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs …

Persistent link: https://www.econbiz.de/10011391616

Support for the SME supporting factor : multi-country empirical evidence on systematic risk factor for SME loans

Dietsch, Michel; Düllmann, Klaus; Fraisse, Henri; … - 2016

Using a unique and comprehensive data set on the two largest economies of the Eurozone - France and Germany - this … consistency of own funds requirements with the riskiness of SME. In both the French and the German sample, results suggest that … the relative differences between the capital requirements for large corporates and those for SME (in other words the …

Persistent link: https://www.econbiz.de/10011564456

Evaluation of minimum capital requirements for bank loans to SMEs

Düllmann, Klaus; Koziol, Philipp - 2013

). Key contributions are the use of a unique data set of SME lending by over 400 German banks and relating systematic risk to … particularly rich and well developed credit market for SMEs in Germany. We estimate asset correlations as the key measure of … granted in Basel II for SMEs relative to large firms. For SME loans in the corporate portfolio of the Internal Ratings …

Persistent link: https://www.econbiz.de/10009751062

Lending relationships in Germany : empirical evidence from survey data

Harhoff, Dietmar - 1998

Persistent link: https://www.econbiz.de/10013428157

The impact of German public support transfers on firm finance : evidence from the Covid-19 crisis

Gärtner, Leo; Marek, Philipp - 2022

The economic policy response to COVID-19 lockdowns included a variety of measures. Their effects on non-financial firms, however, remain unclear. To shed light on the effect of transfers, we investigate the effect of German emergency aid transfers (November-December aid), a program designed for...

Persistent link: https://www.econbiz.de/10013205580

Basel III and SME bank finance in Germany

Marek, Philipp; Stein, Ingrid - 2022

This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of minimum risk-based capital requirements and the introduction of the leverage ratio. The announcement of stricter risk-based capital regulation significantly affected low capitalized...

Persistent link: https://www.econbiz.de/10013399771

Cutting the credit line : evidence from Germany

Goldbach, Stefan; Nitsch, Volker - 2015

finance and firm activity in Germany in more detail. In particular, we explore a novel data set that matches a full sample of …

Persistent link: https://www.econbiz.de/10011308436

Competition for internal funds within multinational banks : foreign affiliate lending in the crisis

Kerl, Cornelia; Frey, Rainer - 2012

We investigate how the lending activities of a multinational bank’s affiliates located abroad are affected by funding difficulties in view of the financial crisis. For this, we consider transaction-induced changes in long-term lending to the private sector of 40 countries by the affiliates of...

Persistent link: https://www.econbiz.de/10009625687

Tax incentives and capital structure choice : evidence from Germany

Hartmann-Wendels, Thomas; Stein, Ingrid; Stöter, Alwin - 2012

This paper provides new evidence that taxes affect capital structure choice, using a unique and comprehensive panel data set which covers 86,173 German non-financial firms over the years 1973–2008. Following the Graham methodology to simulate marginal tax rates, we find a statistically and...

Persistent link: https://www.econbiz.de/10009625689

Banks' concentration versus diversification in the loan portfolio : new evidence from Germany

Jahn, Nadya; Memmel, Christoph; Pfingsten, Andreas - 2013

Using a unique data set on German banks' sector specific loan exposures to the real economy and the corresponding write-offs and write-downs, we examine the impact of loan portfolio sector concentration on credit risk. By controlling for common risk factors, we separate the bank-specific...

Persistent link: https://www.econbiz.de/10010233376

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