This paper studies how organizational downsizing in a bank affects loan officer specialization and the credit default …

We develop a framework to explore the effect of credit ratings on loan origination and securitization. In the model …

This paper focuses on the recent changes in banking systems and how bank-specific characteristics have affected credit … supply in five Latin American countries (Brazil, Chile, Colombia, Mexico and Peru). We use detailed credit registry data and … funding, and a commercial business model generally supply more credit. Such banks are also more sheltered from monetary and …

rates, banks allocation of credit to various economic sectors and banks finance of government deficits. Data on these … deregulation on availability of credit and efficiency in credit allocation to all sectors of the economy.The study found that … lending rate deregulation increased availability of credit and efficiency in banks credit allocation. Banks finance of …

-religiosity counties have higher credit ratings and lower debt costs. The impact of religiosity is stronger for firms with greater …

thrive on the expense of others. Our results suggest that better access to credit can improve the allocation of resources …Brazil's 2005 bankruptcy law reform strengthened creditor protection, resulting in a substantial acceleration of credit …-creditor reform affected the allocation of resources across firms. We find evidence that the reform was particularly effective in …

encourage banks to attract more deposit as this has a significant impact on the credit ability of the banks. A periodic review …