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Does function follow organizational form? : Evidence from the lending practices of large and small banks
Berger, Allen N.; Miller, Nathan H.; Petersen, Mitchell A. - 2002
Persistent link: https://www.econbiz.de/10001646742
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Information Technology and Banking Organization
Mocetti, Sauro - 2010
We investigate the impact of information and communication technologies (ICT) on local loan officers' autonomy in small business lending. We derive a simple agency model of the interaction between a local branch manager and the headquarters, which yields an estimable equation for the optimal...
Persistent link: https://www.econbiz.de/10013138578
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Information Technology and Banking Organization
Mocetti, Sauro - 2012
We investigate the impact of information and communication technologies (ICT) on local loan officers' autonomy in small business lending. We derive a simple agency model of the interaction between a local branch manager and the headquarters, which yields an estimable equation for the optimal...
Persistent link: https://www.econbiz.de/10013102885
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Small Business Credit Availability and Relationship Lending : The Importance of Bank Organizational Structure
Berger, Allen N. - 2009
lending function are examined, and a simple model of bank-lending is proposed. The model is used to examine the impact of … business, including technical innovationssuch as credit scoring, regulatory regime shifts such as toughened bank supervision … firm, owner and community; and (3) an agency problem appears between the loan officer and bank management because of the …
Persistent link: https://www.econbiz.de/10013154014
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Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks
Berger, Allen N. - 2009
the hypotheses concerning bank size, and the willingness to accept hard or soft information. To test these hypotheses …, data were collected from the Federal Reserve’s 1993 National Survey of Small Business Finance.Bank and market …
Persistent link: https://www.econbiz.de/10013154293
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Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks
Berger, Allen N. - 2002
activities that require the processing of soft information. We explore this idea in the context of bank lending to small firms … financial records. Moreover, controlling for the endogeneity of bank-firm matching, large banks lend at a greater distance …
Persistent link: https://www.econbiz.de/10012787355
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Bank Loan Contracting and Corporate Diversification : Does Organizational Structure Matter to Lenders?
Aivazian, Varouj A. - 2019
effect of diversification on the cost of a bank loan is channeled primarily through coinsurance in investment opportunities …
Persistent link: https://www.econbiz.de/10012906069
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Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks
Berger, Allen N. - 2002
activities that require the processing of soft information. We explore this idea in the context of bank lending to small firms … records. Moreover, controlling for the endogeneity of bank-firm matching, large banks lend at a greater distance, interact …
Persistent link: https://www.econbiz.de/10012469963
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Distance, bank organizational structure, and lending decisions
Cerqueiro, Geraldo; Degryse, Hans; Ongena, Steven - In: The changing geography of banking and finance, (pp. 57-74). 2009
Persistent link: https://www.econbiz.de/10003846002
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Information technology and banking organization
Mocetti, Sauro; Pagnini, Marcello; Sette, Enrico - In: Journal of financial services research : JFSR 51 (2017) 3, pp. 313-338
Persistent link: https://www.econbiz.de/10011777281