’ impact on lending cycles, controlling for other determinants of credit growth. We find robust empirical evidence that higher … when entering a credit contraction period severely impacts lending (i.e., may bring about a deep credit crunch), with …In this paper, we analyze the role bank capital played in systemic banking crises and in lending expansion and …

We exploit contract-level data on approved and rejected small-business loans to assess the impact of a new credit … registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending at the … — especially registry information on applicants' outstanding debt — and less on soft information. Second, lending standards also …

credit registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending … at the extensive margin as more applications are rejected, in particular in areas with strong credit market competition … — and less on soft information. Second, lending standards also tighten at the intensive margin: the registry leads to …

lending. Taking advantage of the internal reporting system of a large federal credit union, we delineate three important … biases likely to affect the lending process: (1) limited attention (or distraction), (2) task-specific human capital, and (3 …) common identity. Specifically, we find that using soft information in lending decisions leads to worse loan quality when loan …

argument that higher capital reduces the cost of uninsured debt, the positive effect of bank capital on lending is stronger … capital on lending …

their privately observed soft information is positive or negative. Competition affects the investment in learning the … information was important in the lending decision were no more likely to default compared to firms where only financial …

loans. Thus, marketplace lending has the potential to finance a growing share of the consumer credit market in the absence …We analyze the performance of marketplace lending using loan cash flow data from the largest platform, Lending Club. We …

local credit markets. We provide evidence that marginal increases in interbank competition are detrimental to relationship … concentration on relationship lending which cannot be easily accommodated by the investment and strategic theories of relationship … lending. In this paper, we suggest that this non-monotonicity can be explained by looking at the organizational structure of …