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Does Banking Competition Alleviate or Worsen Credit Constraints Faced by Small- and Medium-Sized Enterprises? Evidence from China
Chong, Terence Tai-Leung; Lu, Liping; Ongena, Steven - 2014
Banking competition may enhance or hinder the financing of small and medium-sized enterprises. Using a survey on the … financing of such enterprises in China, combined with detailed bank branch information, we investigate how concentration in … local banking market affects the availability of credit. We find that lower market concentration alleviates financing …
Persistent link: https://www.econbiz.de/10014186091
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Who Needs Credit and Who Gets Credit in Eastern Europe?
Brown, Martin; Ongena, Steven; Yesin, Pınar Ayşe Yeşin; … - Schweizerische Nationalbank (SNB) - 2010
Based on survey data covering 8,387 firms in 20 countries we compare credit demand and credit supply for firms in Eastern Europe to those for firms in selected Western European countries. We find that, while 30% of firms do not need credit in Eastern Europe, their need for credit is higher than...
Persistent link: https://www.econbiz.de/10008925062
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Foreign Currency Loans - Demand or Supply Driven?
Brown, Martin; Ongena, Steven; Kirschenmann, Karolin - Schweizerische Nationalbank (SNB) - 2011
Motivated by concerns over foreign currency exposures of banks in Emerging Europe, we examine the currency denomination of business loans made in Bulgaria during the period 2003-2007. We analyze a unique dataset including information on the requested and granted currency for more than hundred...
Persistent link: https://www.econbiz.de/10008925064
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Bank response to higher capital requirements: Evidence from a quasi-natural experiment
Gropp, Reint E.; Mosk, Thomas; Ongena, Steven; Wix, Carlo - 2016
We study the impact of higher capital requirements on banks' balance sheets and its transmission to the real economy. The 2011 EBA capital exercise provides an almost ideal quasi-natural experiment, which allows us to identify the effect of higher capital requirements using a...
Persistent link: https://www.econbiz.de/10011571050
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Foreign Currency Loans - Demand or Supply Driven?
Brown, Martin; Kirschenmann, Karolin; Ongena, Steven - 2010
Motivated by current concerns over foreign currency exposures in emerging economies, we examine the currency denomination of business loans made in Bulgaria prior to the current crisis. We analyze information on the requested and granted currency for more than hundred thousand loans granted by...
Persistent link: https://www.econbiz.de/10010301554
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Foreign Currency Loans - Demand or Supply Driven?
Brown, Martin; Kirschenmann, Karolin; Ongena, Steven - Verein für Socialpolitik, Ausschuss für … - 2010
Motivated by current concerns over foreign currency exposures in emerging economies, we examine the currency denomination of business loans made in Bulgaria prior to the current crisis. We analyze information on the requested and granted currency for more than hundred thousand loans granted by...
Persistent link: https://www.econbiz.de/10008564800
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Who Needs Credit and Who Gets Credit in Eastern Europe?
Brown, Martin; Ongena, Steven; Yesin, Pınar Ayşe Yeşin; … - Schweizerische Nationalbank (SNB) - 2010
Based on survey data covering 8,387 firms in 20 countries we compare credit demand and credit supply for firms in Eastern Europe to those for firms in selected Western European countries. We find that, while 30% of firms do not need credit in Eastern Europe, their need for credit is higher than...
Persistent link: https://www.econbiz.de/10008523823
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Foreign Currency Loans - Demand or Supply Driven?
Brown, Martin; Kirschenmann, Karolin; Ongena, Steven - C.E.P.R. Discussion Papers - 2010
Motivated by concerns over foreign currency exposures of banks in Emerging Europe, we examine the currency denomination of business loans made in Bulgaria during the period 2003-2007. We analyze a unique dataset including information on the requested and granted currency for more than hundred...
Persistent link: https://www.econbiz.de/10008466335
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The Impact of Technology and Regulation on the Geographical Scope of Banking
Degryse, Hans; Ongena, Steven - Centrum voor Economische Studiën, Faculteit Economie … - 2004
We review how technological advances and changes in regulation may shape the (future) geographical scope of banking. We … altered this impact and analyse the current state of the European banking sector. We discuss both theoretical contributions … further dismantling the various residual but mutually reinforcing frictions in the retail banking markets in Europe. We …
Persistent link: https://www.econbiz.de/10005200731
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Bank capital requirements, loan guarantees and firm performance
Mayordomo, Sergio; Moreno, Antonio; Ongena, Steven; … - 2019 - This draft: April 12, 2019
This paper studies the effects of the bank capital requirements imposed by the European authorities in October 2011 on loan collateral and personal guarantees usage to enhance capital ratios. We use detailed information on the loan contracts granted by a representative Spanish bank and several...
Persistent link: https://www.econbiz.de/10012051949