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Banking Consolidation and Small Businessfinance : Empirical Evidence for Germany

Marsch, Katharina - 2016

effects of banking consolidation in Germany. As small and medium sized German companies traditionally almost exclusively rely … banking consolidation in Germany does not have a significant negative impact on the financing of small and medium …-sized enterprises (SME). We measure the financing opportunities of SMEs based on the bank debt/assets ratio and the logarithmized credit …

Persistent link: https://www.econbiz.de/10012989293

Distance and modern banks' lending to SMEs : decentralised versus centralised banking in Germany

Flögel, Franz - 2016

German banking system is deemed ideal for SME finance. However, as banking regulation requires the use of rating systems for …

Persistent link: https://www.econbiz.de/10011800400

Distance and Modern Banks’ Lending to SMEs : Decentralised versus Centralised Banking in Germany

Flögel, Franz - 2016

German banking system is deemed ideal for SME finance. However, as banking regulation requires the use of rating systems for …

Persistent link: https://www.econbiz.de/10012997462

Young enterprises and bank credit denials

Mascia, Danilo V. - 2018

By employing a sample of 20,956 observations of non-financial SMEs headquartered in the Euro area, between 2009 and 2015, we test whether young businesses are more likely to face credit rejections from lenders than their older peers. Our findings appear to confirm our suspicions that new...

Persistent link: https://www.econbiz.de/10011845249

Banking consolidation and small firm financing for research and development

Chang, Andrew C. - 2016

This paper examines the effect of increased market concentration of the banking industry caused by the Riegle-Neal Interstate Banking and Branching Efficiency Act (IBBEA) on the availability of finance for small firms engaged in research and development (R&D). I measure the financing decisions...

Persistent link: https://www.econbiz.de/10011500221

Banking Consolidation and Small Firm Financing for Research and Development

Chang, Andrew C. - 2016

Persistent link: https://www.econbiz.de/10013210386

Credit Starvation of Small Indian Firms by Banks : Need for a Strong Relationship Lending Theory

Bhattacharya, Abhijit - 2015

group identities like caste, religion and language. Therefore, for improving SME credit delivery the banks need to be guided … our capital-starved SME sector, which is also our biggest employer …

Persistent link: https://www.econbiz.de/10013034981

The value to banks of small business lending

Holod, Dmytro; Peek, Joe - 2013 - This version: August 15, 2013

By estimating the market premium placed on the small business loan portfolios of banking organizations, this study provides direct evidence on the value to banks arising from relationship lending. Using data from the small business loan survey contained in the June bank call reports, we find...

Persistent link: https://www.econbiz.de/10009792162

Bank size and risk-taking under Basel II

Hakenes, Hendrik; Schnabel, Isabel - 2006

We analyze the relationship between bank size and risk-taking under the New Basel Capital Accord. Using a model with imperfect competition and moral hazard, we show that the introduction of an internal ratings based (IRB) approach improves upon flat capital requirements if the approach is...

Persistent link: https://www.econbiz.de/10010366524

Commercial bank innovations in small and medium-sized enterprise finance : global models and implications for Thailand

Tientip Subhanij - 2016

enterprises and the constraints to SME financing remain the main topic of policy discussion today. Against this background, the … SME financing. This will also ensure that lending to small-business clients is not a burden to the government and is self …

Persistent link: https://www.econbiz.de/10011522031

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