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Relationship banking within the Irish SME sector and its implication
Hanley, Aoife; O'Donohoe, Sheila - 2009
Relationship banking involves the provision of financial services by an intermediary that a) invests in obtaining customer-specific information, often proprietary in nature; and b) evaluates the profitability of these investments through multiple interactions with the same customer over time...
Persistent link: https://www.econbiz.de/10003878214
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Collateral, default risk, and relationship lending : an empirical study on financial contracting
Elsas, Ralf; Krahnen, Jan Pieter - 2000 - Current draft: February 29, 2000
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 …
Persistent link: https://www.econbiz.de/10009768264
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Relationship lending : that ship has not sailed for community banks
Holod, Dmytro; Peek, Joe; Torna, Gökhan - 2024 - This version: April 2024
contained in the June bank Call Reports, we find that small commercial and industrial (C&I) loans add value to community banks …
Persistent link: https://www.econbiz.de/10014529121
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Relationship lending, trust, and SME bank financing in the UK
Degryse, Hans; Matthews, Kent; Zhao, Tianshu - 2021 - (This draft) April 2021
It is well recognized that relationship banking helps to relieve the credit constraints faced by SMEs to access bank … social capital factors, and the styleof the bank-borrowerrelationship. Along with bank, firm, and market factors, trust …
Persistent link: https://www.econbiz.de/10012632147
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When arm's length is too far : relationship banking over the business cycle
Beck, Thorsten; Degryse, Hans; Haas, Ralph de; Horen, … - 2014
Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...
Persistent link: https://www.econbiz.de/10010375321
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When Arm's Length Is Too Far. Relationship Banking Over the Business Cycle
Beck, Thorsten - 2017
We conduct face-to-face interviews with bank CEOs to classify 397 banks across 21 countries as either relationship or …
Persistent link: https://www.econbiz.de/10012972990
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When Arm's Length is Too Far. Relationship Banking Over the Business Cycle
Beck, Thorsten - 2014
Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...
Persistent link: https://www.econbiz.de/10013048226
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When Arm's Length is Too Far. Relationship Banking Over the Business Cycle
Beck, Thorsten - 2014
Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...
Persistent link: https://www.econbiz.de/10013050469
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When Arm's Length is Too Far. Relationship Banking Over the Business Cycle
Beck, Thorsten - 2014
Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...
Persistent link: https://www.econbiz.de/10013051624
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Is relationship lending special? : evidence from credit-file data in Germany
Elsas, Ralf; Krahnen, Jan Pieter - 1998 - This draft: February 24, 1998
The German financial market is often characterized as a bank-based system with strong bank-customer relationships. The … information that is directly related to actual credit decisions. In particular, we use bank-internal borrower rating data to … evaluate borrower quality, and the bank's own assessment of its housebank status to control for information …
Persistent link: https://www.econbiz.de/10009768845