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 …

lending more strongly than non-affected banks. In the second stage, we find that firms whose relationship banks reduce credit … provide much collateral. We document that firms partially offset reduced credit supply by establishing new bank relationships …

lending more strongly than non-affected banks. In the second stage, we find that firms whose relationship banks reduce credit … provide much collateral. We document that firms partially offset reduced credit supply by establishing new bank relationships …

This paper provides the first evidence on gender differences in investment financing, credit application and credit … analysis of the supply- and demand-side on the credit market shows that women are not more likely to be denied credit but the … probability that they apply for credit is on average lower. Yet, this gender difference in the probability of credit application …

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

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 …