In this study, we aim to assess the relevance of credit composition to entrepreneurship empirically in light of the …-called neutrality principle or undertake an active credit policy. We employ a panel data model to quantify the effect of credit … composition on entrepreneurship in 54 high- and middle-income economies from 2001 to 2016. To capture credit composition, we …

By employing a sample of 20,956 observations of non-financial SMEs headquartered in the Euro area, between 2009 and … 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 …

how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five …Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show … largest stateowned banks correlates positively with the take-up of FinTech credit and suggests more severe credit frictions …

In this paper, we find that reduced credit supply reduces firm investments in our sample of small private firms. The … that is linked with financial, bank account and ownership data, and take advantage of the financial crisis in 2008-9 as a … firms hedge against potential future credit supply shocks? (ii) did they have better access to shareholder funding? or (iii …

We develop a model of bank lending that allows for credit rationing in equilibrium. Recognizing that small firms incur … a higher percentage cost of monitoring than large firms, the model shows that the incidence of bank credit rationing … consistent with a pattern of a differentially greater degree of rationing of credit to small borrowers during the Great Recession …

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. …

corruption, may affect the access to credit for micro, small, and medium-sized enterprises (MSMEs). Using a sample of 68 …-2014, we investigate whether the level of corruption affects their demand for bank loans. Overall, we find that the degree of … corruption seems to play a role in the applications for bank loans when small firms are under investigation. Interestingly …

designed to support credit-constrained SMEs and interact their loan portfolio with the number of nearby commercial bank offices … larger number of local bank offices increases the local credit supply, and decreases the credit constraints of nearby SMEs. … enterprises (SMEs) translates into a lower volume of loans. We use a unique dataset on loans from a state owned Swedish bank …

Bank loans are the main sources of financing the Small and Medium-Sized Enterprises (SME) sector of the Thai economy …. This sector contributes to about 37% GDP and employs about 80% of the labor force. Recent data indicate a decline in bank … lending; this necessitates the efficient use of available funds and strategies to diversify SME financing. Using data from …

This paper studies the role of individual P2P investors that are acquainted with the borrower in mitigating credit … rationing in P2P lending to SMEs. I use proprietary data provided by one of the biggest Dutch P2P lending platforms, on which …