corresponding imperfect substitutability between private and commercial credit for the entrepreneur's relationship bank is then …

relationships after their bank branch closes are “better” than regular switchers in terms of unobservable characteristics. Taken …

branch numbers across countries and the opening and closing of branches, bank fragility and consolidation are surprisingly at … important role than internal processing technology. General bank level factors are more important than local internet access …. Bank internal use of technology appears to be more relevant than use of technology by competitors. While large banks rely …

, and modified in 2005 and 2008. The resultant bank-specific shocks to capital buffers, combined with the financial crisis … from comprehensive bank-, firm-, loan-, and loan application-level data suggest that countercyclical capital buffers help …

, which implies pro-cyclical bank capital regulation. Introduced in Spain in 2000, revised four times and tested in its …

, and modified in 2005 and 2008. The resultant bank-specific shocks to capital buffers, combined with the financial crisis … from comprehensive bank-, firm-, loan-, and loan application-level data suggest that countercyclical capital buffers help …