Do borrowers demand less credit from banks with weak balance sheet positions? To answer this question we use novel bank … conventional monetary policy shock, bank balance sheet strength influences not only credit supply but also credit demand. The … bank-specific demand, borrower quality, and balance sheet strength. …

securitized, the amount of securitization activity by the originating bank was not related to lower loan spreads. Our results …

The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation … innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main … lending. And the lending technology is evolving from one-to-one meetings between a loan officer and a borrower, at a bank …