This paper studies how organizational downsizing in a bank affects loan officer specialization and the credit default …

We develop a framework to explore the effect of credit ratings on loan origination and securitization. In the model …

This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit … supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and … funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and …

-religiosity counties have higher credit ratings and lower debt costs. The impact of religiosity is stronger for firms with greater …

have despite this received scant attention in the credit-line literature. In this paper, I study the liquidity …

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …

housing markets better than net loans. Moreover, credit supply restrictions during the crisis are estimated to be smaller …

This study examines the relation of bank loan terms like interest rates, collateral, and lines of credit to borrower … risk defined by the banks’ internal credit rating. The analysis is not restricted to a static view. It also incorporates … weighted average of credit rating before and after a rating transition serves to compensate for low earlier profits caused by …

screen out high credit risk and potentially increase access to credit for small business owners in Peru. We use … entrepreneurs who were offered a loan based on the traditional credit-scoring method versus the EFL tool. We find that the … entrepreneurs - i.e., those with a credit history. For unbanked entrepreneurs - i.e., those without a credit history - using the EFL …