credit lines, while those with higher overdraft fees have larger ones. Firms with greater profit growth in the past have … larger credit lines, while those with more internal funds or higher volatility in profit growth have smaller credit lines …

liquidate collateral affect non-mortgage credit provision in the context of personal loan application. The housing policy …-in-differences estimation and is not driven by changes in local credit demand. Improved collateral liquidity is the key channel driving the … results. Furthermore, the credit expansion does not lead to increased delinquency. Analysing credit statistics data verify …

. Although competition reduces firm revenues and benefits consumers initially, shrouding helps banks offset the vast majority of …