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 analyses how banks organize their lending activity by using the results of two surveys carried out in 2006 and in 2009. During this period, the use of rating and scoring methodologies became more widespread even among the smaller banks. Larger banks used these techniques more...