and distribution of community banks may change in the future"--Federal Reserve Bank of Chicago web site … simple theoretical framework for analyzing how these changes have affected the competitive viability of community banks … has exposed community banks to intensified competition on the one hand, but on the other hand has left well …

This paper empirically investigates how banks evaluate the creditworthiness of small- and medium-sized enterprises … the typical SME bank loan is underwritten primarily based on just a single technology. We find that although financial … academic research on how banks underwrite loans elsewhere …

Changes in the economic environment where banks and small businesses operate have raised questions about the … lending function are examined, and a simple model of bank-lending is proposed. The model is used to examine the impact of … shocks to the economic environment in which banks and small businesses function on the availability of credit to small …