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 …

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 …

investigate a specific type of externality that originates from those borrowers that obtain liquidity from more than one bank. In … this case, contagion may occur if a bank hit by a liquidity shock calls in some loans and borrowers then pay them back by …

businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to …

How much of the heterogeneity in bank loan pricing is explained by disparities in banks’ attitude towards risk? The … answer to this question is not simple because there are only very weak proxies for gauging the degree of a bank’s risk … confirm that disparities in market power, banks’ funding costs, and banks’ funding risks are reflected in bank lending rates …

policy period, change in banks’ competitive behaviour affected the bank lending channel and discouraged banks from taking …

-differences strategy for a comparable sample of banks. We find that banks participating in the stress tests reallocate credit away from …

releases and credit guarantees increased bank credit supply during the COVID-19 pandemic and interacted positively with banks …Macroprudential policies should strengthen the banking sector throughout the financial cycle. However, while bank … credit growth is used to capture cyclical exuberance and calibrate buffer requirements, it depends on potentially …

This paper presents evidence that personal relationships between corporate borrowers and bank loan officers improve the … outcomes of loan renegotiation. Analysing a bank reorganization in Greece in the mid-2010s, I find that firms that experience …

We study the functioning of secured and unsecured interbank markets in the presence of credit risk. The model generates … secured and unsecured markets following an adverse shock to credit risk. The scarcity of underlying collateral may amplify the …