By providing liquidity to depositors and credit line borrowers, banks are exposed to doubleruns on assets and … liabilities. For identification, we exploit the 2007 freeze of the European interbank market and the Italian Credit Register … (unconditionally) unrelated to post-shock credit line drawdowns. However, conditioning on firm observable and unobservable …

, in the context of the eurozone periphery, the increase in domestic government bond holdings, the reduction of bank credit …

educational attainment affects bank credit decisions and subsequent individual and firm outcomes. Our results highlight a "Matthew … likely to apply for credit, and receive higher credit scores, and better lending terms. Via this credit channel, such …