This paper studies the causal effect of gender bias on access to bank credit. We extract an exogenous measure of gender … are more frequently discouraged from applying for bank credit and more likely to rely on informal finance. At the same … not driven by credit risk differences between female- and male-owned firms or by any idiosyncrasies in the set of …

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …

and the 2010-2012 European sovereign crisis. This effect is attenuated for banks with lower credit risk, sounder capital …

This paper proposes a tractable way to incorporate lending standards ("credit qualification thresholds") into macro … rate sufficiently compensates banks for the borrowers’ default risk. Firms denied credit cut employment and labor … credit supply disruptions. That is, for the same increase in credit spreads, output falls faster when denial rates are …

loan officers' compensation, banks' use of soft information in credit approval, and their lending standards. When … more competition, banks lower lending standards, may choose to disregard soft and use only hard information in their credit …

contrast to recent findings for the US, we find that in the euro area changes in the supply of credit, both in terms of volumes … and in terms of credit standards applied on loans to enterprises, have significant effects on real economic activity ….This highlights the importance of the monitoring of credit developments in the toolkit of monetary policy and underpins the reasoning …

We propose an empirical framework to assess joint and conditional probabilities of credit events from CDS prices …

This paper investigates the behaviour of credit rating agencies (CRAs) using a natural experiment in monetary policy …