availability of credit to small businesses which has been further fueled by empirical studies that partly confirm a reduction in …

Relationship lending is a common practice in credit financing all over the world, particularly in Germany. On the basis …

Relationship lending is a common practice in credit financing all over the world, notably also in the European Union …&D-intensive firms, tend to choose a relationship lender. The same is observed for firms of high credit quality, independent of their …

Despite the relevance of credit financing for the profit and risk situation of commercial banks only little empirical … evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt … research project on "Credit Management" which was designed to fill this empirical void. The data set contains a broad list of …

paper to provide a direct comparison between housebanks and "normal" banks as to their credit policy. Therefore, we analyze … a new data set, representing a random sample of borrowers drawn from the credit portfolios of five leading German banks … over a period of five years. We use credit-file data rather than industry survey data and, thus, focus the analysis on …