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Persistent link: https://www.econbiz.de/10011757291
In this paper, to begin with, we define soft information as qualitative, subjective information produced by banks through the establishment of long-term lending relationships. We then highlight the importance of soft information for cooperative and social banks in the screening, pricing and...
Persistent link: https://www.econbiz.de/10010854372
In this thesis, we conduct an analysis of potential causes of SME bank financing constraints in relation to the profound changes affecting the organization of the French banking system mainly due to deregulation and ICT advances. Three lines of inquiry have emerged: i) the strengthening, since...
Persistent link: https://www.econbiz.de/10010905445
This paper empirically examines the role of soft information in the competitive interaction between relationship and transaction banks. Soft information can be interpreted as a private signal about the quality of a firm that is observable to a relationship bank, but not to a transaction bank. We...
Persistent link: https://www.econbiz.de/10010955121
In this study, we examined the influence of soft information used in relationship lending on banks' financial profitability and credit risk, especially focusing on inter-bank competition. This paper is the first one to use an inter-bank competition perspective to analyze what kind of soft...
Persistent link: https://www.econbiz.de/10010928994
In this paper we study how access to bank lending during the recent financial crisis differed between family and non-family firms. Our theoretical prediction is that the presence of a family block-holder in the company attenuated the agency conflict in the borrower-lender relation, because of...
Persistent link: https://www.econbiz.de/10010610580
Persistent link: https://www.econbiz.de/10014546220
Persistent link: https://www.econbiz.de/10014291777
Previous research suggests that loan officers play a critical role in relationship lending by producing soft information about SMEs. For the first time, we empirically confirm this hypothesis. We also examine whether the role of loan officers differs from small to large banks as predicted by...
Persistent link: https://www.econbiz.de/10005112842
In this paper, to begin with, we define soft information as qualitative, subjective information produced by banks through the establishment of long-term lending relationships. We then highlight the importance of soft information for cooperative and social banks in the screening, pricing and...
Persistent link: https://www.econbiz.de/10010740579