the typical SME bank loan is underwritten primarily based on just a single technology. We find that although financial … of other technologies. These findings imply that, at least in Japan, SME lending practice may be inconsistent with …

firm-level survey data in Japan, this paper provides evidence for the negative correlation between lending competition and …

officer activities are associated with bank production of soft information. We also find that loan officers at small banks …

of different lending technologies does not vary across different bank types. These findings imply that, at least in Japan … typical SME bank loan is underwritten primarily based on just one of these technologies and that many different transactions …

was characterized as a bank-centered economy, but the banking system did not function well in the 1990's. Responding to …