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 …

have despite this received scant attention in the credit-line literature. In this paper, I study the liquidity … via commercial-paper backup lines in periods of distress does not crowd out lending to other firms. …

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 …

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 …

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 …

Within bank activities, which is normally defined as the joint exercise of savings collection and credit supply, risk …-taking is natural, as in many human activities. Among risks related to credit intermediation, credit risk assumes particular … importance. It is most simply defined as the potential that a bank borrower or counterparty fails to fulfil correctly at maturity …

, however, laments loan markets’ turn to various forms of high-risk lending. So-called leveraged loans — relatively risky, below …’ growing practice of making upward adjustments to projected earnings that tend to weaken leverage constraints.Moreover, bank … regulatory changes have incentivized “originate-to-distribute” loan syndications that enable non-bank lenders to hold and trade …