stronger competition implies significantly lower spreads between bank and market interest rates for most loan market products … bank interest rates, we likewise find that banks tend to price their loans more in accordance with the market in countries … where competitive pressures are stronger. Further, where loan market competition is stronger, we observe larger bank spreads …

credit risk amid greater uncertainty. These adverse impacts of uncertainty on bank lending (both quantity and quality) are …The paper examines whether bank diversification in multiple dimensions can protect bank lending from uncertainty shocks … banking by the dispersion of bank-level shocks. Our results confirm that banks may reduce loan growth and experience more …

market-friendly business model and supporting scheme to help SMEs gain access to credit on a sustainable basis. Given the … success of microfinance around the world, a large number of commercial banks have made a profitable business out of this …

availability of credit to small businesses which has been further fueled by empirical studies that partly confirm a reduction in … merger related effects on small business lending in Germany from a bank-level perspective. Furthermore, we estimate small …

monetary policy does alter bank loan supply, with the effects most dependent on the liquidity of individual banks. Unlike in … the US, the size of a bank does generally not explain its lending reaction. We also show that the standard publicly … ihres Liquiditätsgrads variiert. Im Gegensatz zu den USA ist im Allgemeinen die Größe einer Bank kein direkter …

We use the 2020 Small Business Credit Survey to study the sources of racial disparities in use of the Paycheck …, and the bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by …

This paper analyses the role of bank-related constraints in explaining the sharp slowdown in bank lending to non … individual responses of the banks participating in the Eurosystem's Bank Lending Survey with the corresponding micro data on loan … quantities and prices. Our main finding is that bank-related supply and demand-side indicators were both important in explaining …