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The 'Opaque Glitter' of Small and Medium Sized Businesses in Transition Countries : Are Foreign Banks Interested in SME Lending after All?

Ahunov, Muzaffar Olimjonovich - 2011

We investigate foreign banks' interest in financing small and medium sized enterprises in Ukraine, a country where massive foreign bank entry took place in a late stage of transition. We use unique, self-collected bank-level data on banks' involvement with SMEs in 2004, 2006, 2009, and 2010. We...

Persistent link: https://www.econbiz.de/10013123618

Bank Lending Networks, Experience, Reputation and Borrowing Costs

Godlewski, Christophe J. - 2011

We investigate the network structure of syndicated lending markets and evaluate the impact of lenders' network centrality, considered as measures of their experience and reputation, on borrowing costs. We show that the market for syndicated loans is a, “small world,” characterized by large...

Persistent link: https://www.econbiz.de/10013125532

Banking Consolidation and Bank-Firm Credit Relationships : The Role of Geographical Features and Relationship Characteristics

Beretta, Enrico - 2013

Using data on single credit relationships, the paper shows that after a merger or an acquisition, involving two or more … banks which had previously jointly financed the same firm, the share of credit granted to the client by the consolidated … intermediaries moderately decreases over three years. This does not necessarily imply a reduction of the overall credit granted to …

Persistent link: https://www.econbiz.de/10013082526

Information or Insurance? On the Role of Loan Officer Discretion in Credit Assessment

Brown, Martin - 2013

We employ a unique dataset of credit assessments for 3,756 small businesses by nine banks using an identical rating … model to examine (i) to what extent loan officers use their discretion to smooth credit ratings of their clients, and (ii … discretion to smooth clients' credit ratings: One in five rating shocks induced by changes in the quantitative assessment of a …

Persistent link: https://www.econbiz.de/10013090878

The Benefits of Relationship Lending in a Cross-Country Context : A Meta-Analysis

Kysucky, Vlado - 2014

relationships' dimensions. Long-lasting, exclusive and synergy-creating bank relationships are associated with higher credit volume …

Persistent link: https://www.econbiz.de/10013065137

Loan Officers and Relationship Lending to SMEs

Uchida, Hirofumi - 2014

Previous research suggests that loan officers may play a critical role in relationship lending by producing soft information about SMEs. For the first time, we analyze this hypothesis and find empirical evidence that indicates that loan officer activities are associated with bank production of...

Persistent link: https://www.econbiz.de/10013067014

Lending Competition and Relationship Banking : Evidence from Japanese Prefectural Level Data

Ogura, Yoshiaki - 2009

credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using …

Persistent link: https://www.econbiz.de/10013155639

Lender Forbearance

Bird, Andrew - 2017

% and 18% and peaking when credit conditions are tightest, consistent with enforcement exacerbating credit cycles. Costly …

Persistent link: https://www.econbiz.de/10012953155

Network-Motivated Lending Decisions : A Rationale for Forbearance Lending

Ogura, Yoshiaki - 2019

We demonstrate theoretically and empirically the presence of forbearance lending by profit-maximizing banks to influential buyers in a supply network. If the financial market is concentrated, then banks can internalize the negative externality of an influential firm's exit. As a result, they may...

Persistent link: https://www.econbiz.de/10012903032

Commercial Lending Concentration and Bank Expertise : Evidence from Borrower Financial Statements

Berger, Philip G. - 2017

Lending concentration features prominently in models of information acquisition by banks, but empirical evidence on its role is limited because banks rarely disclose details about their exposures or information collection. Using a dataset of bank-level commercial loan exposures, we find banks...

Persistent link: https://www.econbiz.de/10012970987