Strong lending relationships between banks and small and medium-sized enterprises (SMEs) play a key role in the bank …-based financial system of Germany. So far, they have been mainly described by the notion of a housebank and transactional features of … long-term bank-customer relationships. In contrast, the present paper also considers interactional variables which try to …

merger related effects on small business lending in Germany from a bank-level perspective. Furthermore, we estimate small … availability of credit to small businesses which has been further fueled by empirical studies that partly confirm a reduction in … strong evidence that in Germany merging savings banks do not significantly change the extent to which they lend to small …