What is the impact of a sudden and sizeable increase in bank capital requirements on the lending activity by directly … affected banks and by non-affected non-bank financial institutions (NBFIs)? To answer this question, we apply a difference … activities, in riskier and more competitive borrower segments, but NBFIs do not seem to rely on increased bank funding to finance …

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 …