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Relationship lending, trust, and SME bank financing in the UK
Degryse, Hans; Matthews, Kent; Zhao, Tianshu - 2021 - (This draft) April 2021
It is well recognized that relationship banking helps to relieve the credit constraints faced by SMEs to access bank finance. Trust is an important part of relationship banking. However, the term trust is nebulous,and relationship banking means different things to different banksand different...
Persistent link: https://www.econbiz.de/10012632147
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Universal banks and relationships with firms
Elsas, Ralf; Krahnen, Jan Pieter - 2003
intensive interaction between banks and firms, often described as Hausbank relationships. Links between banks and firms include … management control. Most of the recent evidence regarding small firms suggests that a Hausbank relationship can indeed be …
Persistent link: https://www.econbiz.de/10009765357
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Relationship lending : that ship has not sailed for community banks
Holod, Dmytro; Peek, Joe; Torna, Gökhan - 2024 - This version: April 2024
This study provides direct evidence of the value to banks arising from relationship lending by estimating the market premium placed on banking organizations' small business loan portfolios. Using data from the small business loan survey contained in the June bank Call Reports, we find that small...
Persistent link: https://www.econbiz.de/10014529121
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Innovation and export in SMEs : the role of relationship banking
Frazzoni, Serena; Mancusi, Maria Luisa; Rotondi, Zeno; … - 2014
Medium Enterprises (SME), their probability to export (i.e. the extensive margin) and their share of exports on total sales … impact on both SME's probability to export and their export margins. This positive effect is only marginally mediated by the … SME's increased propensity to introduce product innovation. We further discuss the financial and non-financial channels …
Persistent link: https://www.econbiz.de/10011774346
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Collateral, default risk, and relationship lending : an empirical study on financial contracting
Elsas, Ralf; Krahnen, Jan Pieter - 2000 - Current draft: February 29, 2000
This paper provides further insights into the nature of relationship lending by analyzing the link between relationship lending, borrower quality and collateral as a key variable in loan contract design. We used a unique data set based on the examination of credit files of five leading German...
Persistent link: https://www.econbiz.de/10009768264
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Credit Market Concentration, Relationship Lending and the Cost of Debt
Bonini, Stefano - 2017
We investigate how the banking industry concentration and the strength of credit relationships (relationship lending) jointly affect the cost of borrowing of firms. Our results indicate that relationship lending is not associated with the rent extraction mechanism deriving from informational...
Persistent link: https://www.econbiz.de/10012969819
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A Century of Firm-Bank Relationships : Why the Transition to Multiple Banking?
Braggion, Fabio - 2014
We study how relationships between firms and banks evolved between during the Twentieth century in Britain. We document and explain a remarkable transition from single to multiple firm-bank relationships during the last twenty years of the sample period. Larger, global, or transparent companies...
Persistent link: https://www.econbiz.de/10013066889
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Relationship banking within the Irish SME sector and its implication
Hanley, Aoife; O'Donohoe, Sheila - 2009
of relationship banking from an Irish SME perspective.We trace how significant patterns can be seen across several …
Persistent link: https://www.econbiz.de/10003878214
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Bank capital requirements, loan guarantees and firm performance
Mayordomo, Sergio; Moreno, Antonio; Ongena, Steven; … - 2019 - This draft: April 12, 2019
This paper studies the effects of the bank capital requirements imposed by the European authorities in October 2011 on loan collateral and personal guarantees usage to enhance capital ratios. We use detailed information on the loan contracts granted by a representative Spanish bank and several...
Persistent link: https://www.econbiz.de/10012051949
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Do Banks Price Discriminate Spatially? Evidence from Small Business Lending in Local Credit Markets
Bellucci, Andrea - 2013
In this paper we explore the effects of bank-borrower physical proximity on price and non-price aspects of small business lending in local credit markets. Along the price dimension, our analysis reveals that interest rates increase with bank-borrower distance and decrease with the distance...
Persistent link: https://www.econbiz.de/10013087190