Using the 1998 Survey of Small Business Finances and banking data to produce a bank-firm match, the author tests for … evidence of standardized versus relationship lending methods in both total bank credit as well as credit emanating from the … firm’s most important source of financial services, its primary bank. The author employs a two-step Heckman procedure to …

relationship between bank profits and small business credit. Regression analyses are conducted using the rate of return on assets …, holding constant various bank risk characteristics. …

purpose of this paper is to determine if, with advanced technologies along with the changing face of the industry, bank … an Internet bank as any commercial bank maintaining a World Wide Web site on which banking transactions may be conducted …

. Alternatively, very small firms are heavily reliant on bank loans, trade credit, and informal sources of capital including loans …

Two alternatives research hypotheses concerning how small business lending affects bank profitability are tested. The … neutral or positive effects on bank profitability after taking into account bank risk. Using efficient frontier analyses that …

previously developed relationship with a lead bank obtained a lower spread and a longer maturity during the financial crisis but …