We evaluate the impact of SME’s banking relationships configuration on the share of bank credit in their total debt. Crossing information from the DIANE and Kompass Europe databases, we select a sample of SMEs for which we can identify the different banks that they working with. We then test...

The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides...

This paper examines how bank competition affects the amount of credit provided to small businesses using both the loan turndown rate and the size of granted loans and L/Cs. Using 2003 National Survey of Small Business Finance data, we show that commercial banking in concentrated banking markets...

Since 2003, the Financial Services Agency has set relationship banking enhancement program as an important strategic task to improve the functions of regional financial institutions. In this enhancement program, the FSA recommended that regional financial institutions introduce new financial...

The increased diversification of fund rising methods among small and medium-sized businesses has been a major policy challenge in recent years, and private financial institutions are proactively striving to disseminate new financial technologies. However, this does not necessarily mean that...

The purpose of the study was to identify factors which influence bank-firm relationships in Poland, herein identified with relationship banking. The results of empirical analysis have demonstrated that Polish firms readily establish single-bank relationships. The results of the econometric...

Competition intensification has deeply changed firms’ debt structure by increasing the number of banks from which they borrow at the same time. This paper is a literature review on small businesses banking pool. We examine three questions: What are the characteristics of the pool’s main...

Poland, as any other transition country, suffers from inefficient corporate governance as firms have difficulties with obtaining external financing. This paper aims to examine whether bank’s involvement in corporate control reduces information asymmetries, and hence lessens firm’s financial...

The integration process in the European banking sector considerably differs with regard to product types. Deep integration can be observed in the money market as well as the market for wholesale products. In contrast to that, a strong segmentation of national markets still exists in the field of...

The international transportation Industry involves various sectors, shipping being one with particular characteristics which differentiates it from others. Within this scope, commercial banks are one of the main entities that may offer the required funding in a market that is characterized by...