Elsas, Ralf; Krahnen, Jan Pieter - 2000 - Current draft: February 29, 2000
examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit … decision-making and contract design. In particular, bank internal borrower ratings serve to evaluate borrower quality, and the … bank's own assessment of its housebank status serves to identify information-intensive relationships. Additionally, we used …