We study the sensitivity of banks' credit supply to small and medium size enterprises (SMEs) in the UK to banks … and bank headquarters). However, during the crisis, we find that SMEs with in their vicinity banks that have stronger …

We study the sensitivity of banks' credit supply to small and medium size enterprises (SMEs) in the UK to banks … and bank headquarters). However, during the crisis, we find that SMEs with in their vicinity banks that have stronger …

to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of …