merger related effects on small business lending in Germany from a bank-level perspective. Furthermore, we estimate small … availability of credit to small businesses which has been further fueled by empirical studies that partly confirm a reduction in … businesses compared to prior to the merger or compared to the contemporaneous lending by non-merging banks. We investigate the …

Strong lending relationships between banks and small and medium-sized enterprises (SMEs) play a key role in the bank … long-term bank-customer relationships. In contrast, the present paper also considers interactional variables which try to … measure social relations between loan officer and firm manager. Using bank survey data, the relationship and interaction …