to provide a liquidity buffer that influences bank-specific loan growth positively (complementarity effect), particularly … in new banking regulation that penalise bank size …

firm-bank match-level dataset of more than 3,000 unlisted small and medium-sized enterprises (SMEs) incorporated in Japan …

EFIGE firm-level data, we show that the depth and strength of firm-bank relationships have heterogeneous effects on credit … and medium firms with a higher share of debt with the main bank have a lower probability of being credit denied, as debt …

the level of bank competition. This effect holds for various complaint types, market types, market demographics, and …

rates in later periods for safer borrowers. The results are stronger under more intense bank competition. Our findings …

Recent regulatory efforts aim at lowering the cyclicality of bank lending because of ist potential detrimental effects … on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs …

businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their … increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to … preserve financial exibility, reduce their bank dependence and exposure to banking shocks. …

enables a bank to lend more and increase profits due to economies of scale associated with compliance costs. Exploiting the … result, overall stability of the banking industry is promoted while small bank loan market concentration rises and total … small bank lending drops by 13% …