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The paradox of progress : technological advancements in banking and the dual impact on SME bank borrowing
Hryckiewicz, Aneta; Korosteleva, Julia; Kozłowski, Łukasz - 2024
This study delves into the impact of technological bank innovations on small and medium-sized enterprise (SME …) borrowing across the European Union. By analyzing a comprehensive dataset of 179,921 SME-bank lending relationships from 2009 to … more opaque firms seeking financing. Our study contributes to the understanding of the nuanced role of innovation in …
Persistent link: https://www.econbiz.de/10015071855
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Sustainable Finance & China's Green Credit Reforms : A Test Case for Bank Monitoring of Environmental Risk
Harper Ho, Virginia E. - 2019
As financial institutions and policymakers worldwide are considering how to integrate sustainability considerations throughout financial systems, a critical question is whether banks can effectively assess and monitor borrowers' environmental credit risk. China's green credit reforms, part of...
Persistent link: https://www.econbiz.de/10012899995
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Credit standards and capital allocation in a low interest rate environment
Andersen, Svend Greniman; Kuchler, Andreas - 2016
Using firm-level data from surveys and financial statements, this paper presents an analysis of credit standards, capital allocation and financial conditions of non-financial enterprises in Denmark since the beginning of the financial crisis. The analysis indicates that low interest rates and...
Persistent link: https://www.econbiz.de/10011489436
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What About the Future of European Banks? Board Characteristics and ESG Impact
Cremona, Brando Maria - 2019
In this article, in addition to understanding what are the elements and stages that have guided the formation of a corporate culture in the ESG area, we focus on two specificities: the distinctive traits of the board of directors, on the one hand, and the relationship between ESG performance and...
Persistent link: https://www.econbiz.de/10012864241
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Networks of micro and small enterprise banks : a contribution to financial sector development
Schmidt, Reinhard H.; Von Pischke, John D. - 2005 - This version March 2005 (with updated figures)
The paper is a follow-up to an article published in Technique Financière et Developpement in 2000 (see the appendix to the hardcopy version), which portrayed the first results of a new strategy in the field of development finance implemented in South-East Europe. This strategy consists in...
Persistent link: https://www.econbiz.de/10009764766
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Bank Financing for SMES : Evidence Across Countries and Bank-Ownership Types
Beck, Thorsten - 2009
SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different …, organizational structures, and SME financing is not consistent with the conventional view that SME lending is based on “relationship …
Persistent link: https://www.econbiz.de/10013156453
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Information Asymmetry and Foreign Currency Borrowing by Small Firms
Ongena, Steven - 2013
We model how an information asymmetry between the lending bank and the applying firm about the currency structure of firm revenues may affect loan currency choice. Our framework features a trade-off between the lower cost of foreign currency debt and the costs of currency induced loan default....
Persistent link: https://www.econbiz.de/10013092463
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Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing
Beck, Thorsten - 2016
Can distance-related information asymmetries in credit markets be overcome with contract design and credit scoring models? To answer this question, we explore differences in foreign and domestic banks' credit contract terms and pricing models. Using a sample of firms that borrow from both...
Persistent link: https://www.econbiz.de/10013008058
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Bank Size and Lending Specialization
Bonfim, Diana - 2014
the core predictions of the SME financing literature, examining banks' lending specializations in firm size and lending … that banks of different sizes dedicate similar proportions of loans to relationship lending. However, supporting the SME …
Persistent link: https://www.econbiz.de/10013045410
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Commercial banking as a key factor for SMEs development in Mexico through factoring : a qualitative approach
Pérez-Elizundia, Guillermo; Delgado-Guzmán, José Alfredo - In: European research on management and business economics 26 (2020) 3, pp. 155-163
Despite the advantages that literature grants to factoring, its degree of adoption in small and medium-sized enterprises (SMEs) is low. The objective of the research is to establish the determinants in factoring adoption that allow greater access to financing by SMEs. For this purpose, a...
Persistent link: https://www.econbiz.de/10012308058