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enterprises and the constraints to SME financing remain the main topic of policy discussion today. Against this background, the … SME financing. This will also ensure that lending to small-business clients is not a burden to the government and is self …
Persistent link: https://www.econbiz.de/10011522031
survey contained in the June bank call reports, we find that small commercial and industrial loans do, in fact, add value for …
Persistent link: https://www.econbiz.de/10009792162
In this paper we explore the effects of bank-borrower physical proximity on price and non-price aspects of small … bank-borrower distance and decrease with the distance between borrower and other competing banks. Along the quantity … quantity effects of bank-borrower distance are concentrated among less transparent firms. Our findings are consistent with …
Persistent link: https://www.econbiz.de/10013087190
We model how an information asymmetry between the lending bank and the applying firm about the currency structure of …
Persistent link: https://www.econbiz.de/10013092463
Based on a unique hand-collected database of 389 loans obtained from a French social bank dealing with small businesses …
Persistent link: https://www.econbiz.de/10013065535
Using data at the bank‐firm level for a large sample of small firms collected through the 8th UniCredit Survey … that a large internationalized bank more strongly supports product innovation, whereas there is no substantial difference …
Persistent link: https://www.econbiz.de/10013073453
bank financing in a context of increasing financial constraints and higher risk of credit rationing since the crisis. We … of banking relationship: when the manager trusts its main bank, or when he is closer to his loan officer, the firm will …
Persistent link: https://www.econbiz.de/10013001399
In this paper we study the relevance of the gender of the contracting parties involved in lending. We show that female entrepreneurs face tighter access to credit, even though they do not pay higher interest rates. The effect is independent of the information available about the borrower and...
Persistent link: https://www.econbiz.de/10013155529
SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different …, organizational structures, and SME financing is not consistent with the conventional view that SME lending is based on “relationship …
Persistent link: https://www.econbiz.de/10013156453
We empirically examine the impact of bank consolidation on bank acquisition of soft information about borrowers. Using …
Persistent link: https://www.econbiz.de/10012954778