Il lavoro analizza l'organizzazione dell'attività di prestito delle banche utilizzando i risultati di due indagini riferite al 2006 e al 2009. In questo periodo l'utilizzo di metodologie di rating e scoring è andato diffondendosi anche alle banche più piccole; gli intermediari maggiori hanno...

We study the mobility of Italian firms across different lending banks in the aftermath of Lehman Brothers' collapse, when 40 per cent of the firms analysed changed their pool of lending banks. Using a unique dataset on a sample of about 3,000 Italian firms that encompasses financial and economic...

Using a dataset that combines bank organizational variables with information on firms' credit demand and balance-sheet indicators, we investigate the impact of how bank lending was organized on credit dynamics during the 2008-09 financial crisis. Our main findings suggest that the organization...

Using a unique dataset, which combines bank organizational variables, information on lending techniques, firms' credit demand and others balance sheet indicators, we investigate the impact of lending organization on credit dynamics during the crisis period. Our main findings suggest that the...

This paper analyzes firms' difficulties in accessing credit before and during the crisis, by focusing on two of their characteristics: financial fragility and growth prospects. Our econometric analysis indicates that fragile financial conditions were associated with a much higher than average...

The financial crisis that started in August 2007 has led to a worsening in the conditions of credit supply to customers. Since the second half of 2008, several measures have been adopted in order to sustain access to credit for both firms and households, such as debt moratoria, provisions of...