conduct investigations in the search of qualified loan borrowers. The model assumes that the domestic bank has a cost … advantage in evaluating a borrower’s credit quality compared to the competing foreign bank. Despite the cost heterogeneity, an … equilibrium exists in which two such banks coexist in the market. Specifically, the information cost advantaged bank orchestrates …

the main source of value. In this view, an empirical survey on 61 bank managers of large and small banks has been carried … and small and medium enterprises and (2) how the relationship between bank and firm varies together with the dimensional …

The paper relies on a firm-level data on transition economies to examine the relationship between informality and bank … credit. We find evidence that informality is robustly and significantly associated with lower access to and use of bank … credit. We also find that higher tax compliance costs reduce firms' reliance on bank credit, while a stronger quality of the …

driven lower by competition. Thus, a bank facing an entry threat is more likely to invest in screening instead of relying on … bank loan quality. It shows that if a banking market is liberalized, the opportunity cost of screening loan applicants is … collateral requirements. Removing entry restrictions may improve loan quality stability and reduce correlation between bank …

a Chinese bank. Securitized loans exhibit lower ex-post default rates and prepayment chances compared to the loans … retained on the bank's balance sheet, suggesting no adverse selection or moral hazard within the Chinese securitization market … loan performance after the new regulation, in line with deterioration of the bank's incentive. This unintended consequence …

banking complexity and opacity nexus varies with multiple measures of bank competition. We find that more intense competition …The paper explores the impact of bank diversification on earnings opacity. We aim at offering a comprehensive analysis … in the banking system likely accentuates the impact of diversification on bank earnings manipulations. Our findings …