lines of credit provided by four Italian banks over the period 2005-2007. Estimates show that, after controlling for loan …Traditionally female entrepreneurs report difficulties or higher costs in accessing bank credit. These difficulties can …. This paper aims at analyzing the access to credit of small- and medium-sized enterprises (SMEs) owned by women and testing …

non-financial private sector had been originated by shadow banks. Consequently, dampening credit creation by the …The US credit boom has been identified as one of the causes of the global financial crisis and the resulting debt … overhang is seen as the primary reason for the weak economic recovery. Most of the existing literature links the credit boom to …

the effect of entry threat on incumbent banks' loan loss provisions. Incumbents exposed to entry threat have offsetting …

In the traditional banking model, loans play a dominant role in banks’ operations. Loan portfolio quality is the main … generator of banks’ results. In the periods of best results, as well as in times of worst performance of banks’ operations, the … credit portfolio quality is the share of non-performing loans to the total credit portfolio. The consequences of an increased …

Chinese banks likely have more non-performing loans (NPLs) than officially reported. As hidden NPLs earn no interest … income, loan quality problems may erode the gross interest income of banks. Using stochastic frontier analysis, we estimate … the interest income of a hypothetical profit-maximis-ing Chinese bank with no credit quality problems. Taking the …

jeopardized. This raises concerns for lending institutions that have provided credit to these companies, potentially leading to … exposure for EU lenders. Our findings show that the exposure of EU banks to biodiversity varies across countries, depending on …

Can banks trade credit default swaps (CDSs) referenced on their current corporate clients at competitive prices, or are … banks penalized for potentially holding private information? To answer this question we merge CDS trades reported under the … that the same dealer offers to banks and to other investors. We find that banks lending to a corporation purchase CDSs on …

asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem …Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to … distorts the operation of credit markets. We show that a binding CVaR constraint introduces credit rationing and lowers social …

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 …

loan officers' compensation, banks' use of soft information in credit approval, and their lending standards. When … more competition, banks lower lending standards, may choose to disregard soft and use only hard information in their credit … competition intensifies, prospecting for loans becomes more important and banks' internal agency problem worsens. In response to …