estimation. The analysis allows to distinguish between rents that accrue due to single bank lending, rents that accrue due to …

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 …

evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt …