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We use the introduction of a U.S. commercial credit bureau to study when lenders adopt voluntary information sharing technology and the resulting consequences for competition and credit access. Our results suggest that lenders trade off access to new markets against heightened competition for...
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This paper presents the main findings of the Survey for bank financing to small and medium enterprises (SMEs). The key …, including SMEs-related factors, macroeconomic factors, legal and contractual environment and some bank-specific factors. The …
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