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. …

discontinuity in the loan approval process of a large bank, the study finds that competing lenders responded to additional loan … financially excluded borrowers, greatly diminishing the profits accruing to the initiating bank. Lenders may therefore underinvest … highlight that information spillovers between lenders may operate outside credit registries …

We analyze small business lending at U.S. commercial banks, how it has changed over time and how it differs by bank … negative impact on lending to small businesses at community banks but not their large bank counterparts. This result suggests … important insights for policy makers as they continue to deal with the credit access issues of small firms. …