educational attainment affects bank credit decisions and subsequent individual and firm outcomes. Our results highlight a "Matthew … likely to apply for credit, and receive higher credit scores, and better lending terms. Via this credit channel, such …

in the availability of credit. Using data from the nationally representative Surveys of Small Business Finances, which … availability of credit to male- and female-owned firms. More specifically, female-owned firms are significantly more likely to be … credit-constrained because they are more likely to be discouraged from applying for credit, though not more likely to be …

Relationship lending is a common practice in credit financing all over the world, particularly in Germany. On the basis …

By using short-term direct finance firms of the highest credit quality expose themselves to rollover risk in the public … debt markets. Firms insure themselves against this risk by securing backup lines of credit from banks that they may use … of firm's publicly observable credit quality. Under plausible assumptions about the cost of bank borrowing the model …