This study examines the relation of bank loan terms like interest rates, collateral, and lines of credit to borrower … risk defined by the banks’ internal credit rating. The analysis is not restricted to a static view. It also incorporates … discovered as important factors. The results show that riskier borrowers pay higher loan rate premiums and rely more on bank …

This paper studies how organizational downsizing in a bank affects loan officer specialization and the credit default …

further. Our findings indicate that existing regulations may amplify shocks to credit quality during periods of generalized …

The development of credit information sharing schemes in developing countries has gained significant attention in … credit information sharing on credit intermediation cost in these countries, and consequently ascertain the extent to which … the credit information sharing–credit intermediation cost nexus may be accentuated by banking market concentration and …

commercial bank, the authors choose Archimedean Copula to fit the default relationship between loans, combined with the loss … traditional loan pricing model, this new proposed one, requiring lower loan interest rates from customers with higher credit … rating, while higher loan interest rates from customers with lower credit rating, could thus be able to provide higher risk …

This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit … supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and … funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and …

have despite this received scant attention in the credit-line literature. In this paper, I study the liquidity …

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …

Cyclicality in the losses of bank loans is important for bank risk management. Because loans have a different risk … default rate and loss given default of bank loans share a cyclical component, related to the business cycle. We infer this …

screen out high credit risk and potentially increase access to credit for small business owners in Peru. We use … entrepreneurs who were offered a loan based on the traditional credit-scoring method versus the EFL tool. We find that the … entrepreneurs - i.e., those with a credit history. For unbanked entrepreneurs - i.e., those without a credit history - using the EFL …