We exploit contract-level data on approved and rejected small-business loans to assess the impact of a new credit … registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending at the … — especially registry information on applicants' outstanding debt — and less on soft information. Second, lending standards also …

credit registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending … at the extensive margin as more applications are rejected, in particular in areas with strong credit market competition … — and less on soft information. Second, lending standards also tighten at the intensive margin: the registry leads to …

argument that higher capital reduces the cost of uninsured debt, the positive effect of bank capital on lending is stronger … capital on lending …

lending. Taking advantage of the internal reporting system of a large federal credit union, we delineate three important … biases likely to affect the lending process: (1) limited attention (or distraction), (2) task-specific human capital, and (3 …) common identity. Specifically, we find that using soft information in lending decisions leads to worse loan quality when loan …

credit losses rise when the cycle falls, but less so when net income of banks is relatively high, which reduces … procyclicality. Lending fluctuates with the business cycle too, but appears to be driven by demand rather than by supply factors such …

credit losses rise when the cycle falls, but less so when net income of banks is relatively high, which reduces … procyclicality. Lending fluctuates with the business cycle too, but appears to be driven by demand rather than by supply factors such …

The research shows that banking relationships are important to lending. However, few studies focus on the banking … shows the impacts of credit rationing and tightening credit conditions, even in the syndicated loans market. We investigate …

Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … interstate banking deregulation lowered barriers to entry into urban banking markets and find that greater competition …, such as merger and acquisitions or diversification. Moreover, I find that greater competition reduces banks' nonperforming …

Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … interstate banking deregulation lowered barriers to entry into urban banking markets and find that greater competition …, such as merger and acquisitions or diversification. Moreover, I find that greater competition reduces banks' nonperforming …