. Macroeconomic factors also play a large role explaining the impact of securitization activity on bank lending standards: banks more …

We model how an information asymmetry between the lending bank and the applying firm about the currency structure of …

associated with loan terms, we document that longer firm-bank relationships deepen private information often strongly nonlinear … firms, smaller, leveraged, and illiquid banks, at longer firm-bank distances, and during non-COVID times. …