the typical SME bank loan is underwritten primarily based on just a single technology. We find that although financial …

lending function are examined, and a simple model of bank-lending is proposed. The model is used to examine the impact of … business, including technical innovationssuch as credit scoring, regulatory regime shifts such as toughened bank supervision … firm, owner and community; and (3) an agency problem appears between the loan officer and bank management because of the …

Explores the role of bank-borrower relationships in small firm finance. Focus is on the availability and terms of lines … for older firms who have had long relationships with the bank. Overall, the analysis shows that the longer the … proposition that bank-borrower relationships provide important information about borrower quality. (SRD) …