This paper analyzes the determinants of spreads on syndicated bank lending to emerging markets, treating the loan …

Using confidential regulatory firm-bank-loan level data from the U.S., we document four new facts about the credit … default. Fourth, the relation between collateral and risk--where risk is measured by the loan spread--is positive for large … payback the loan. Since SMEs cover 99 percent of all U.S. firms and over 50 percent of U.S. employment and output, our results …

lending by race. We document that even after controlling for a firm's zip code, industry, loan size, PPP approval date, and … loan from a fintech lender than a traditional bank. Among conventional lenders, smaller banks were much less likely to lend … evidence that when small banks automate their lending processes, and thus reduce human involvement in the loan origination …

income. Evidence on two fronts suggests large loans would be misallocated: top-performers are predicted by loan officers to …