examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit … decision-making and contract design. In particular, bank internal borrower ratings serve to evaluate borrower quality, and the … bank's own assessment of its housebank status serves to identify information-intensive relationships. Additionally, we used …

intensive interaction between banks and firms, often described as Hausbank relationships. Links between banks and firms include … what non-bank shareholders achieve. Proxy-voting rights apparently do not provide a significant means for banks to exert … management control. Most of the recent evidence regarding small firms suggests that a Hausbank relationship can indeed be …