We investigate how communication within banks affects small business lending. Using travel time between a bank … evaluate the impact of within bank communication costs on small business loans. Consistent with Stein's (2002) model of the … transmission of soft information across a bank's hierarchies, we find that reducing headquarters-branch travel time boosts small …

banks impacted by the real estate prices collapse systematically contracted their credit to all small firms throughout the U ….S.. However, healthy banks expanded their operations and entered new banking markets. The market share gain of these banks was a …

effects from cross-border bank takeovers with those of cross-border lending by banks located overseas, which in most cases … with FDI while the rates banks charge to borrowers are largely unchanged or actually fall. We contrast the competitive …

By comparing uncollateralized business loans made by a big tech lending program with conventional bank loans, we find … far before maturity and borrow more frequently. These patterns remain for borrowers with access to bank credit. Our … needs. Through this model, big tech lending facilitates credit to borrowers underserved by banks without experiencing more …

market. First, private SMEs typically utilize all available bank credit which comprises their entire balance sheet debt …Using confidential regulatory firm-bank-loan level data from the U.S., we document four new facts about the credit …, compared to large listed firms who can switch between corporate bonds and drawing from credit lines. Second, SMEs borrow …

magnitude of the decline twice as large at small banks. Controlling for cyclical effects and bank size, we find that these … compliance requirements needed to make business loans and operate a bank, the DFA disproportionately reduced the incentives for … all banks to make very modest loans and reduced the viability of small banks, whose small-business share of C&I loans is …

Post-crisis stress tests have altered banks' credit supply to small business. Banks affected by stress tests reduce … credit supply and raise interest rates on small business loans. Banks price the implied increase in capital requirements from … stress-tested banks do not own branches near borrowers, and prices rise mainly where they do. These reductions in supply are …