the differences between the risk properties of retail, SME and corporate credit has been based on parameterized models of … businesses in the sample is rated by both banks, we can generate loss distributions for SME, retail and corporate credit … portfolios with a constant risk profile. Our findings suggest that a special treatment for retail credit and SME loans may not be …

effects of banking consolidation in Germany. As small and medium sized German companies traditionally almost exclusively rely … banking consolidation in Germany does not have a significant negative impact on the financing of small and medium …-sized enterprises (SME). We measure the financing opportunities of SMEs based on the bank debt/assets ratio and the logarithmized credit …

private firms in Germany. The core contention is that a firm's financial position contributes to its access to external …