with the provision of debt finance, the nature of the relationship between bank and entrepreneur can be of considerable …

Using the 1998 Survey of Small Business Finances and banking data to produce a bank-firm match, the author tests for … evidence of standardized versus relationship lending methods in both total bank credit as well as credit emanating from the … firm’s most important source of financial services, its primary bank. The author employs a two-step Heckman procedure to …

This paper examines the characteristics of UK small firm bank finance and the causes of the frequently strained … examined. The bank’s solutions including the potentially harmful “secured overdraft system” are then considered. It is argued …

relationship between bank profits and small business credit. Regression analyses are conducted using the rate of return on assets …, holding constant various bank risk characteristics. …

There are many studies of bank performance and bank failure in the literature. Most of these studies used banking … to the stability of those ratios through time and across asset size. Many studies also failed to recognize that bank …. These ratios are then used in disaggregated logistic models to predict bank failure. The study finds that the disaggregated …

on the part of bank personnel, and errors and mistakes. These results suggest opportunities for bank managers to improve …

This study examines the expectations that both small business firms and bankers have regarding the bank selection … significant differences in expectations are noted. The results suggest a communication gap in the small business/commercial bank …

purpose of this paper is to determine if, with advanced technologies along with the changing face of the industry, bank … an Internet bank as any commercial bank maintaining a World Wide Web site on which banking transactions may be conducted …

. Alternatively, very small firms are heavily reliant on bank loans, trade credit, and informal sources of capital including loans …

Two alternatives research hypotheses concerning how small business lending affects bank profitability are tested. The … neutral or positive effects on bank profitability after taking into account bank risk. Using efficient frontier analyses that …