enterprises and the constraints to SME financing remain the main topic of policy discussion today. Against this background, the … SME financing. This will also ensure that lending to small-business clients is not a burden to the government and is self …

In this paper we analyze the effect of bank capital on lending expansion and contraction for nearly 150 years in Spain …. We fi rst build up thoroughly a measure of bank leverage (i.e. the capital to assets ratio) for the Spanish banking … sector starting in year 1880. Then, we run a proper econometric test to analyze the impact that bank capital levels have on …

narrative identification of banking crises in Spain. Afterwards, we run a proper econometric test to analyze bank capital levels …In this paper, we analyze the role bank capital played in systemic banking crises and in lending expansion and … contraction for nearly 150 years in Spain. We first build a measure of capital ratio (i.e., the capital to assets ratio) for Spain …

Mercantile Registry and the Bank of Spain Credit Registry (CIR) to classify firms according to their number of banking relations … importance of such groups in a European country. We control for reverse causality by treating bank relationships as endogenous …

This article analyses the effects of the bank restructuring process performed in Spain between 2010 and 2016. First, we … Bank of Spain. Second, we investigate whether these reforms affected (i) the stability, (ii) the degree of competition, and … instability. On the other hand, the increasing bank market power fostered financial stability (i.e., lower risk-taking behaviour …

of relationship banking from an Irish SME perspective.We trace how significant patterns can be seen across several …

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … implementing the right to a basic bank account with an overdraft facility and protection against attachment, establishing public …

During the last years the lending business has come under considerable competitive pressure and bank managers often … are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that …