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The effects of bank mergers on small business lending in Germany
Bloch, Thomas (contributor) - 2008
strong evidence that in Germany merging savings banks do not significantly change the extent to which they lend to small … merger related effects on small business lending in Germany from a bank-level perspective. Furthermore, we estimate small …
Persistent link: https://www.econbiz.de/10003784021
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The banking systems of Germany, the UK and Spain form a spatial perspective : the Spanish case
Gärtner, Stefan; Fernandez, Jorge - 2018
significant as savings banks in Germany, at least not for SME finance. Notwithstanding recent initiatives to create a common … uneven, particularly with respect to the degree of geographical concentration. Whereas decentralisation increased in Germany … banks in Germany further increased their market share in firm financing. …
Persistent link: https://www.econbiz.de/10011818385
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The Impact of Regional Banking Systems on Firms and SMEs – Evidence from five European Countries
Schmidt, Daniel - 2021
Banks perform similar functions all over the world. Nevertheless, the banking systems around the world are very different. This paper analyses how the difference affects local firms as well as small and medium-sized enterprises. For my project, I combine banking and economic data of five EU...
Persistent link: https://www.econbiz.de/10013251199
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Does corruption affect access to bank credit for micro and small businesses? : evidence from European MSMEs
Galli, Emma; Mascia, Danilo V.; Rossi, Stefania - 2017
In this paper, we aim to assess how a specific socio-institutional environment, identified according to the level of corruption, may affect the access to credit for micro, small, and medium-sized enterprises (MSMEs). Using a sample of 68,115 observations - drawn from the ECB-SAFE survey -...
Persistent link: https://www.econbiz.de/10011671595
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Internet Appendix for 'Trading Credit (Subsidies) for Votes : The Effect of Local Politics on Small Business Lending'
Raina, Sahil - 2020
This internet appendix complements the paper “Trading Credit (Subsidies) for Votes: The Effect of Local Politics on Small Business Lending” and is organized as follows: Appendix A provides the main results of the paper under alternative regression discontinuity specifications, Appendix B...
Persistent link: https://www.econbiz.de/10012834273
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Trading Credit (Subsidies) for Votes : The Effect of Local Politics on Small Business Lending
Raina, Sahil - 2020
Small businesses are championed by politicians seeking votes. We study how the competitiveness of congressional elections affects small business loan subsidies. To identify the causal impact of electoral competitiveness, we examine politically-motivated congressional redistricting...
Persistent link: https://www.econbiz.de/10012849072
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Hold-up in multiple banking : evidence from SME lending
Brunner, Antje; Krahnen, Jan Pieter - 2010
This paper analyzes loan pricing when there is multiple banking and borrower distress. Using a unique data set on SME lending collected from major German banks, we can instrument for effective coordination between lenders, carrying out a panel estimation. The analysis allows to distinguish...
Persistent link: https://www.econbiz.de/10003973755
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Financial inclusion, regulation, and education in Germany
Neuberger, Doris - 2015
Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or …
Persistent link: https://www.econbiz.de/10010532087
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Empirical analysis of credit relationships in small firms financing : sampling design and descriptive statistics
Elsas, Ralf; Henke, Sabine; Machauer, Achim; Rott, Roland; … - 1998
Despite the relevance of credit financing for the profit and risk situation of commercial banks only little empirical evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt financing. The present paper provides a systematic overview...
Persistent link: https://www.econbiz.de/10009768277
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Determinants of bank lending performance
Ewert, Ralf; Schenk, Gerald - 1998
During the last years the lending business has come under considerable competitive pressure and bank managers often express concern regarding its profitability vis-a-vis other activities. This paper tries to empirically identify factors that are able to explain the financial performance of bank...
Persistent link: https://www.econbiz.de/10009768846