Empirical credit demand analysis undertaken at the aggregate level obscures potential behavioral heterogeneity between … the credit cycle with respect to interest rates, output and house prices is found. The results motivate sector …

countries experiencing systemic banking crises on profitability, credit, and the performance of borrower firms. Crisis exposures … reduce bank returns and tighten credit conditions for borrowers, constraining investment and growth. The effects are larger …

2015, we test whether young businesses are more likely to face credit rejections from lenders than their older peers. Our … the issue of sample selection bias potentially affecting our data. Additional tests also reveal that credit constraints … viability of credit and, thus, ensure the growth of young businesses in the Euro area. …

's credit rating improves and CDS spread declines after LTAP grants, suggesting that LTAPs help reduce firms' credit risk …