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strategies in the new branches. The organization of the customer lending business in particular was burdened by arbitrary and … instrumentalization of the customer lending business, whereby an increasing willingness to take risks in lending was used as a tool in … competition with a growing number of rival banks. …
Persistent link: https://www.econbiz.de/10014506988
’ 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 …
Persistent link: https://www.econbiz.de/10012545573
Small Business Administration (SBA) loans have long been one of the most significant policy interventions in the U.S. affecting firm behavior, but little is known about their outcomes. This paper estimates the effects on employment using a list of all SBA loans linked to annual data on all U.S....
Persistent link: https://www.econbiz.de/10013088193
imply an increase of 3 to 3.5 jobs for each million dollars of loans, suggesting real effects of credit constraints …. Estimated impacts are stronger for younger and larger firms and when local credit conditions are weak, but we find no clear …
Persistent link: https://www.econbiz.de/10013004055
lenders. The estimation results imply an increase of 3-4 jobs for each million dollars of loans, suggesting that credit … for the SBA 504 versus 7(a) programs, and with respect to the business cycle, local credit conditions, and within …
Persistent link: https://www.econbiz.de/10013016226
Small Business Administration (SBA) loans have long been one of the most significant policy interventions in the U.S. affecting firm behavior, but little is known about their outcomes. This paper estimates the effects on employment using a list of all SBA loans linked to annual data on all U.S....
Persistent link: https://www.econbiz.de/10013077297
argument that higher capital reduces the cost of uninsured debt, the positive effect of bank capital on lending is stronger … capital on lending …
Persistent link: https://www.econbiz.de/10012973015
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 …
Persistent link: https://www.econbiz.de/10011931483
credit losses rise when the cycle falls, but less so when net income of banks is relatively high, which reduces … procyclicality. Lending fluctuates with the business cycle too, but appears to be driven by demand rather than by supply factors such …
Persistent link: https://www.econbiz.de/10010752485
credit losses rise when the cycle falls, but less so when net income of banks is relatively high, which reduces … procyclicality. Lending fluctuates with the business cycle too, but appears to be driven by demand rather than by supply factors such …
Persistent link: https://www.econbiz.de/10010752531