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Internal control and strategic communication within firms : evidence from bank lending
Brown, Martin; Schaller, Matthias; Westerfeld, Simone; … - 2015 - This version: July 2015
The allocation of authority affects the communication of information about clients within banks. We document that in small business lending internal control leads loan officers to propose inflated credit ratings for their clients. Inflated ratings are, however, anticipated and partly reversed by...
Persistent link: https://www.econbiz.de/10011343379
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A Comparative Study of the Borrower Perception of Retail Lending in Private and Public Sector Banks in India
Swamy, Vighneswara - 2012
Indian banking sector is growing rapidly and is expected to enjoy even better growth opportunities in the evolving future. Retail banking has always been prevalent in various forms ever since the evolution of banking. Retail lending in India is becoming an important segment of bank credit. It...
Persistent link: https://www.econbiz.de/10013101489
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Credit Misallocation During the European Financial Crisis
Schivardi, Fabiano - 2017
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique data set that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that, during the Eurozone financial crisis: (i) Under-capitalized banks...
Persistent link: https://www.econbiz.de/10012958446
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Credit Misallocation During the European Financial Crisis
Schivardi, Fabiano - 2017
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique data set that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that, during the Eurozone financial crisis: (i) Under-capitalized banks...
Persistent link: https://www.econbiz.de/10012958447
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Credit Misallocation During the European Financial Crisis
Schivardi, Fabiano - 2017
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique dataset that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that during the Eurozone financial crisis (i) undercapitalized banks...
Persistent link: https://www.econbiz.de/10012943806
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Credit Misallocation During the European Financial Crisis
Schivardi, Fabiano - 2017
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique dataset that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that during the Eurozone financial crisis (i) under-capitalized banks...
Persistent link: https://www.econbiz.de/10012945846
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Credit Misallocation During the European Financial Crisis
Schivardi, Fabiano - 2020
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique data set that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that, during the Eurozone financial crisis: (i) Under-capitalized banks...
Persistent link: https://www.econbiz.de/10012854558
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Credit misallocation during the European financial crisis
Schivardi, Fabiano; Sette, Enrico; Tabellini, Guido Enrico - 2017
Do banks with low capital extend excessive credit to weak firms, and does this matter for aggregate efficiency? Using a unique data set that covers almost all bank-firm relationships in Italy in the period 2004-2013, we find that, during the Eurozone financial crisis: (i) Under-capitalized banks...
Persistent link: https://www.econbiz.de/10011624235
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The Importance of Individual-Pair Lending Relationships
Even-Tov, Omri; Li, Xinlei; Wang, Hui; Williams, … - 2023
In this paper, we examine the significance and uniqueness of individual-pair relationships cultivated through repeated loan interactions. Using a hand-collected dataset compiled of borrowing manager and loan officer information, we find that individual-pair relationship loans are associated with...
Persistent link: https://www.econbiz.de/10014362324
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Empirical linkages between branching, lending, and competition : a study of Pakistani banks
Ahmed, Jaleel; Farooq, Umar; Al-Naimi, Ahmad A.; … - In: Economies : open access journal 11 (2023) 5, pp. 1-16
of geographic diversification and distance on the performance of banks, the market power of loans and deposits, and the … effect of large and medium banks on the performance of small banks, a sample of commercial banks is selected. The study finds … that geographic diversification and distance between bank branches and headquarters do not affect the performance of the …
Persistent link: https://www.econbiz.de/10014319534