In the U.S., households participate in two very different types of credit markets. Personal lending is characterized by … discrete lending by specialized lenders for mortgage credit has led to concerns regarding the efficiency and equity of mortgage … lending. This paper sheds both theoretical and empirical light on the differences in the two credit markets. The theory …

, while in the euro area standards tightened for both lending to enterprises and consumer credit and other lending to … households. By contrast, terms and conditions for new lending eased somewhat in the consumer credit segment, both in Spain and … a decline in demand for loans to enterprises and for consumer credit and other lending to households, whereas loan …

dynamics, the current dissertation analyses the interactions between innovation and competition. The scope of this work can be … outcome. The second one analyses the feedback effects of innovative activity on competition and the organisation of economic … activity. Regarding the impact of competition on innovation, an empirical analysis reveals that ICT- driven innovations …

The aim of this paper is to assess the level of competition prevailing in the Spanish banking system. The current … banks. In both settings, a noteworthy increase in the degree of competition is identified at the turn of the eighties, when … hypothesis which states that concentration impairs competition …

, which shows that syndication reduces the rate of lending costs, so that the return to the loan originator is greater, and …'s observed lending history is significant to its decision to participate in a new syndicated loan but that predictions of … potential participants' lending intentions. …

financial lending institutions to limit their credit risk exposure. This article determines whether geographic diversification … would be sufficient as a risk management tool for lending institutions to limit their credit risk. …Lending and financial institutions have looked for a variety of ways to expand their portfolios into agriculture, but …

benefits accruing from the established relationships. The studyfocuses on access to credit and the promotion of … had only a limited, albeit promising, impact onthe sustainability of the institutions, access to credit and the promotion … have serious problems accessing credit upon successful repayment ofprevious loans. However, those seeking to enter credit …